If you took it subject-to, you would be making the payments. Presumably this would continue even if the seller were dead, incapacitated, in prison, or in Timbuktu. The bank should have no more reason to complain than they would otherwise.
recently a seller asked me what would happen if I took their loan over subject to, and the seller would pass away (or die). What would happen? If there is a death, don’t banks normally want all their money? Would I have to refi?