You are doing a little planning ahead and that is good.  The leasing is a contract and you should read it carefully. I am going to assume that your Mom can not assign the lease to you but you may be able to continue the payments until the lease end.  What is really important to think about is the insurance on the car. You need to be listed as a driver on the policy because should she pass you can not insure a car that is not in your name but you can continue to renew a policy that lists you and the car. If the language of the lease  is too confusing  - and it often is - ask an attorney for an interpretation.  Good luck.