It's not uncommon to split equally among children. The aunt may choose to leave her share to her niece or charities. The mom may choose to leave her share to her daughter or others. So granddaughter would buy. Then mother might choose to gift her money to help pay down mortgage, or not. It's a fair way to do itSeems like even when everyone wants the same thing things don't go smoothly. My mom is struggling a bit with her brother with my grandparents estate. No fighting over assets or anything like that, just disagreements with how things should be done - a 2nd person was paid to redo all of the taxes as an example.
Wedding this summer - I was surprised by comments made by a cousin about a mortgage. She has been living in her grandmother's house since her grandmother moved out for increasing levels of care and she died a few years ago. Cousin has had friends as roommates, an ex-boyfriend, and now her husband living there. She has done multiple reno projects over the years. The grandma only had 2 daughters, and she is the only grandchild. I just assumed she had owned the house all this time - nope she had to buy it from her mom and aunt and that got finalized shortly before her wedding. Everyone wanted her to be the owner, but there were issues with actually getting that to happen.
Chemguy and I have been putting off wills - we had a recommendation, we took initial step, seemed too expensive. We have been thoughtful with beneficiaries/successors when we are able to name them on accounts. Seeing some of the red tape that occurs even with a will, we really should move forward on it.