Assuming a mortgage

[Denean Smith]

I am purchasing a house from a private seller and they are ok with me taking over their payments. I know some banks can require the payment in full once title transfers over. I live in state of Ohio and the mortgage currently sits with TelOhio credit union. I am looking into a real estate attorney but has anyone done this before? Do I need to get the bank involved or is it just a contract between me and seller?