I'm looking to do my first subject-to transaction since the house I have under contract needs very little work. The C.A.R. contract was used as an all cash offer. But decided doing a Subject-To would make sense. The seller is also aware that there may be a due-on-sale. I want to know if I would just add in the addendum that the "Seller is aware that the buyer is buying the property subject- to the existing mortgage? Also, what other documents/contracts and disclosures will I need? And will any California Title Company be able to handle this type of transaction? I also heard to check with the seller if there is a prepayment penalty on the mortgage or something like that.