I can speak somewhat to properties in Pa. only. A deed can be transfered to a parent/child/grandchild for a $1.00 transfer fee and the deed preparation fee conveying ownership from Seller to Buyer (in our area about $150) ... that part is simple. The mortgage would have to be satisfied and/or assumed by you (if the Lender allows) before a clear title can be conveyed.

I would speak to whomever holds the mortgage and see if they will work with you on the $8000 balance.
You could also pay it off and then transfer title or work some loan arrangement (personal or secured) with the lender. Always best to speak with an attorney about any tax implications for you ... or your mother.

Good luck.

John,

An attorney will be able to advise you best in this situation.

Our best regards

Sorry to hear about your dad.

It the title still in your mom's name? If so a few suggestions:

Transfer title with mortgage can not take place unless you purchased the home for remaining balance of mortgage.

You can assist your mom with payments till house is paid in full house is willed to you might be able to take tax advantage confer with real estate CPA or real estate attorney who can review entire file determine your best interest.

Until the mortgage is paid off, the bank owns the house. I don't think it is possible to transfer a mortgage. So you will probably have to start by coming up with the 8K to pay off the mortgage first. But you should really speak with a RE attorney before doing anything.