The opinion of the court was delivered, March 26th 1866, by
Agnew, J.The executors of Frederick Lennig, deceased, were allowed credit on their account for the payment of certain mortgages out of the personal estate. Mrs. Lennig, who renounced the will, and took her share of the real and personal estate at law, objected to this allowance, and has appealed from it. The will of Mr. Lennig has not been laid before us, and Mrs. Lennig alone appears to object to the payment. We must conclude, therefore, there was nothing in the will to cast the payment upon the realty ; and the question is, whether equity will, in favour of the widow, now charge the land with the mortgage-debts to the extent of the payment made out of the widow’s share of the personalty. If it can be done, it must be because the land is primarily charged.
Beginning therefore with the postulate, that nothing in the will changes the general rule which charges the personal estate as the primary fund, the questions presented are, the nature of Mrs. Lennig’s interest in her husband’s estate, and’ the character of the mortgage-debts.
The 11th section of the law of April 8th 1833, relating to wills, having provided that a devise or bequest by a husband should be taken to be in lieu of dower, declared that nothing therein contained should deprive her of her choice, either of dower or of the property devised or bequeathed to her. Under this act, by refusing to accept under the will she lost her right to the personalty, and was cast exclusively on her dower at common law: Hinnershitz v. Barnhard’s Executors, 1 Harris 518. To remedy this the ,11th section of the Act of April 1848 enabled her to take her choice of the bequest or devise, “ or her share of the personal estate under the intestate laws aforesaid.” The claim of Mrs. *138Lennig is, therefore, under the intestate law by the express terms of the act, and the will is piro tanto revoked.
Standing now upon the intestate law, her share of the personalty is subject to the payment of her husband’s debts (the will making no other provision), and if it should all be required for their payment she cannot call upon the realty to reimburse her. The power to elect carries with it a consideration of the advantage and disadvantage of the election in either way; and it must be presumed after she chose to renounce the provision under the will she deemed her dower in the realty lightened of the mortgage-debts by payment out of the personalty; and her share of the personalty diminished by the sum taken to pay the mortgage, a better provision than that made for her by the will.
This brings us to consider the mortgages. A mortgage is but a security for a debt, the estate in the land remaining in the mortgagor, and the mortgagee having no estate whatever except the mere legal title as the means of enforcing payment.
ITis assignment of the mortgage carries but a personal interest to which the administrator of the assignee succeeds, and not the heir. And the mortgagee cannot convey the estate itself, nor can it be sold at sheriff’s sale as his: Rickert v. Madeira, 1 Rawle 328 ; Asay v. Hoover, 5 Barr 35 ; Clawson’s Appeal, 10 Harris 363. When encumbered by the mortgagor for his own debt, the land is but a pledge or security for its payment, and the primary liability rests in equity upon the personal estate to redeem it, and this even where no bond or covenant for the payment accompanies the pledge. The principle on which equity acts is, that the money has gone to increase the personal estate: Ram on Assets, &c., 357, cap. 29, § 1. The mortgage of $15,000 was therefore.a personal charge to be paid out of the personalty, and the credit must be sustained.
The mortgage of $25,000 on the property at Broad and Poplar stands on a different footing, in its origin, being an encumbrance already existing when Mr. Lennig purchased. An heir, devisee or purchaser taking land already charged with a mortgage, does not ipso facto make the debt his own, or subject his personalty in equity to its payment.
There are many English cases sustaining this to be found collected by Mr. Ram in his treatise on Assets, Debts and Encumbrances, cap. 29, pp. 360-3. The same rule prevails even where the party so taking the land gives his own bond or covenant for the payment of the encumbrance, if it be done only as a new security, or as auxiliary, or merely to relieve the land from the pressure of the encumbrance. In such cases equity looks upon the land as still the principal security, and the undertaking of the heir, or devisee, or purchaser as merely collateral; and it will compel payment out of the land in relief of the personalty: *139Evelyn v. Evelyn, 2 Peere Williams 664; Coventry v. Earl of Coventry, Id. 222; Butler v. Butler, 5 Ves. 535; Shafts v. Shafts, 1 Cox 207. But when the heir or devisee makes the mortgage-debt his own, as by a new mortgage to the mortgagee ; or when a purchaser assumes the debt as a part of the price of his purchase and thus makes it his own, the rule is different, and the personal estate of the heir, devisee or purchaser must go in relief of the realty: Ram 361; Woods v. Huntingford, 3 Ves. 129; Waring v. Ward, 7 Id. 332; Earl of Oxford v. Lady Rodney, 14 Id. 417. In this state we have the case of Hoff’s Appeal, 12 Harris 200, in which the subject is fully discussed by the present chief justice, with a very full reference to authorities. It is there held, that when the purchaser paid the full price of the land, by including the encumbrances which he assumed to pay as the entire consideration of the premises, the purchaser made the debt his own, both as it regards the mortgagor and the mortgagee, and that an action would lie for the mortgagee against the purchaser for the amount of his encumbrance retained out of the price he agreed to pay. And it was decided that the residue of the personal estate not specifically bequeathed was liable to pay the encumbrance of the mortgage in relief of the realty. The foundation of the equity is there held to be, that the personalty was increased to this extent by withholding so much of the price.
In the case before us, the evidence is very clear that the testator had purchased the property at Broad and Poplar streets for the price of $57,000, which sum the written contract stated included the two mortgages of $12,000 and $25,000. He also took the property in the deed subject to the payment of the mortgages stated in the consideration to be a part of the price of $57,000, and assumed to be paid by him. The receipt upon this deed was for $20,000 cash, which, with the assumption of the mortgages of $12,000 and $25,000, was the “ full consideration of $57,000 above mentioned.” Lennig himself paid off the $12,000 mortgage in his lifetime. It is very certain, therefore, that Mr. Lennig made the mortgage-debt of $25,000 his own, and charged it thereby upon his personal estate. That a personal liability arose results not only from the decision in Hoff’s Appeal, ante, but is the result of other cases: Trevor v. Perkins, 5 Whart. 245; Campbell v. Shrum, 3 Watts 60; Young v. Stone, 4 W. & S. 45 ; Blank v. German, 5 Id. 36 ; Woodward’s Appeal, 2 Wright 322.
An analogy is to be found in that class of cases where a devisee accepts land devised to him charged with the payment of legacies; a personal responsibility for the encumbrance attaching not only to himself but to his assigns, who take the estate subject to the charge ; and also to a personal liability to pay during the privity of their estate: Asay v. Hoover, 5 Barr 351; Mohler’s Appeal, *1408 Id. 26; Shaffer’s Appeal, Id. 38; Gibson’s Appeal, 1 Casey 191; Swope’s Appeal, 3 Id. 58. The analogy is not impaired by the remarks of Lowrie, J., in Hallowell’s Estate, 11 Harris 233. He does not deny that the acceptance of the devise creates a personal liability for the charge, but asserts that it may be controlled by the primary intention of the testator on a deficiency of assets appearing, in order to bring the legatees into proportional contribution with the devisees. Upon the whole case we therefore conclude, that the personal estate of the testator was primarily charged with the payment of the mortgages, and that there is nothing in the relation of the widow, who cast herself upon the provision which the law makes for her, with an imputed knowledge of the consequences, to compel the realty to reimburse her to the extent of her share of the personalty taken to make the payment.
The decree of the Orphans’ Court is affirmed with costs, which the appellant is ordered to pay.