You can put the house in trust for her, that way she doesn't have to wait for a probate court to process the estate. If you only write a note, it could be disputed or take months if not a year in probate court. (I know bc I was considering an exit during the sale of my house and didnt want to screw over my sister with legal problems.) I dont know if a lawyer does a trust document or if the mortgage holder/ bank does that. If you dont have shared bank account, i would also put a good amount of mortgage payments into her account or the account it draws from or leave a stack of cash. Once youre gone, she wont be able to access any accts that were solely yours. Consulting a lawyer is a headache, that's true, but will possibly save her from additional major headaches later on. You dont want her to lose her home on top of losing you.