@Jamar JonesYes Jamar, that total would be the outstanding balance that the owner is responsible for

If you’re really concerned with getting rid of those loans, pay biweekly to lower the amount of interest you pay, and add small amounts to principal balance.

Autonomy, mastery, and purpose are what most humans are after to optimize their self-actualization while balancing health, wealth, and relationships. 

Most loans today have a “Due on Sale” clause written into them where, if the property is transferred from the owner to another party, the lender can “call the loan”, meaning require the balance to be paid in full immediately.

@Bellman Tumasang I do small balance commercial and agency commercial nationwide.

It is usually the case when government attempts to create a solution, the balance is instead offset and what was supposed to be fair ends up not being so fair.

Turns out, during title search, they found a HELOC with a $9k balance...and she actually owed $112k not $98k. 

You need a compelling balance sheet reason as to why you plan on fulfilling the lease, BUT can't have the guarantee on your BS.

So overall good balance sheets at both consumer and bank.

This may involve you paying the balance, or just reinstating payments in your name - that's why I say it depends.