Georgia Escrow & Title
Practice Questions & Answers (2026)
Escrow, title, and closing questions on the Georgia exam test how real estate transactions are closed, how title is transferred, and what happens at settlement. Georgia requires a licensed attorney to conduct real estate closings — unlike escrow states — which shapes how these questions are framed on the GA exam. Title insurance, title searches, and the difference between standard and extended coverage policies are tested, as are the specific closing costs that are customarily paid by buyers vs. sellers under Georgia practice.
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Georgia Escrow & Title — Practice Questions & Answers
124 questions on Escrow & Title from the Georgia real estate question bank. First 10 are free — sign up to unlock all 124.
Q1. Georgia is known as an attorney closing state, which means:
Explanation
Georgia requires that a licensed Georgia attorney supervise real estate closings and disburse settlement funds. Attorneys are responsible for the legal aspects of the transfer of title.
Q2. In Georgia, a security deed (also called a deed to secure debt) differs from a mortgage because:
Explanation
Georgia uses a security deed (deed to secure debt) rather than a traditional mortgage. The borrower actually conveys legal title to the lender as security for the debt. Upon repayment, the lender reconveys title back to the borrower.
Q3. When a Georgia borrower pays off their mortgage (security deed), the lender must execute and deliver a:
Explanation
When a Georgia security deed is paid in full, the lender executes a deed of release (also called a cancellation or satisfaction) that reconveys legal title back to the borrower and releases the lender's interest in the property.
Q4. In a Georgia real estate transaction, the transfer tax (intangible tax on the security deed) is paid by the:
Explanation
Georgia's intangible recording tax on security deeds is paid by the borrower (buyer) at closing. It is calculated at $1.50 per $500 (or fraction) of the loan amount.
Q5. In Georgia, real estate closings are almost always conducted by a:
Explanation
Georgia is an 'attorney state' for real estate closings. A licensed Georgia attorney must conduct the closing and supervise the disbursement of funds and preparation of closing documents.
Q6. A title search in Georgia examines the chain of title to identify:
Explanation
A title search reviews public records to trace the chain of ownership and identify any liens, judgments, easements, restrictions, or other encumbrances that could affect the buyer's title.
Q7. Owner's title insurance protects against:
Explanation
Owner's title insurance protects the buyer against financial losses from pre-existing title defects — such as undisclosed liens, forged deeds, or errors in public records — that are discovered after closing.
Q8. A lender's title insurance policy protects:
Explanation
A lender's (mortgagee's) title insurance policy protects only the lender's interest up to the outstanding loan balance. It does not protect the buyer's equity — that requires a separate owner's policy.
Q9. The Georgia Transfer Tax is paid at the rate of $1 per $1,000 of consideration on the first $100,000, then $1.10 per $1,000 above $100,000. Who typically pays this tax in Georgia?
Explanation
In Georgia, the real estate transfer tax (intangibles recording tax does not apply here; the deed transfer tax) is customarily paid by the seller at closing.
Q10. Under Georgia law, which instrument is used to convey title from a deceased person's estate to a beneficiary?
Explanation
An executor's deed (or administrator's deed) is used by the personal representative of an estate to convey title from a deceased person's estate to beneficiaries or purchasers.
Q11. A general warranty deed in Georgia provides which of the following covenants?
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