The mechanics of a subject-to and what happens at closing because you need to understand this process to make money and then to be able to explain to your seller during the negotiation phase why he should sell you the house with none of your money and none of your credit okay so now what is a subject-to? Simply put buying a property subject-to the existing mortgage means that you buy a property without using any of your own money and you don't use your credit. Thank you for clicking the LIKE and the Subscriber Button. Thanks for watching!!