[speby]

This can 'sort of' be done thru loan assumption. But it is a provision that only some loans have. And it isn't tied to the borrower but to the asset. Example would be you were selling your house and a buyer wanted to 'assume' your mortgage. They could actually do that where they take over the remaining principal, a loan assumption provision would allow that. Granted, the buyer would still need to come up with the cash for the rest of the price of the home (selling price - remaining loan balance) and to do that, the buyer would either need to bring cash to the table or get a 2nd loan to make up for that difference.