Usually any home that has a lien with the creditor aka bank, there is more under the cover.

Just because a listing price maybe at like $5,000. The bank would want the difference before they submit the new ownership over. And that can be past unpaid balance that needs to be paid eg: $90k before the new ownership begin, which most will discover or do their homework on.

If the home is free in and clear- and you have done your homework then more power to you.