Minnesota Escrow & Title
Practice Questions & Answers (2026)
Escrow, title, and closing questions on the Minnesota exam test how real estate transactions are closed, how title is transferred, and what happens at settlement. Minnesota uses title companies or settlement agents to handle closings, and candidates must understand the closing process, settlement statement, and title insurance requirements under Minnesota law. 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 Minnesota practice.
Minnesota Exam Study Resources
Everything you need to pass — in one place.
Minnesota Escrow & Title — Practice Questions & Answers
105 questions on Escrow & Title from the Minnesota real estate question bank. First 10 are free — sign up to unlock all 105.
Q1. In Minnesota, a warranty deed provides the grantee with covenants including:
Explanation
A general warranty deed in Minnesota includes covenants of seisin (owner has title and right to convey), quiet enjoyment, and warranty that the grantor will defend title against all claims — not just those arising during the grantor's ownership.
Q2. A title search in Minnesota would reveal all of the following EXCEPT:
Explanation
A standard title search reveals items of record at the county recorder's office. Unrecorded liens, such as those of contractors who have not yet filed, would not appear in a standard title search — which is why title insurance is important.
Q3. A closing disclosure in a Minnesota purchase transaction must be provided to the buyer:
Explanation
Under TRID (TILA-RESPA Integrated Disclosure), the Closing Disclosure must be provided to the buyer at least 3 business days before the scheduled closing date.
Q4. A subordination agreement in a mortgage transaction means:
Explanation
A subordination agreement is a document where a senior lienholder voluntarily agrees to lower their lien's priority, allowing another lien (typically a new first mortgage) to take priority.
Q5. A quitclaim deed in Minnesota:
Explanation
A quitclaim deed conveys whatever interest the grantor holds, if any, without any covenants or warranties. It is often used to clear title defects or transfer interests between family members.
Q6. In Minnesota, a mechanic's lien is filed by:
Explanation
A mechanic's lien (also called a construction lien) is filed by contractors, subcontractors, or material suppliers who have not been paid for work performed or materials furnished on the property.
Q7. Title insurance in Minnesota protects the insured against losses from:
Explanation
Title insurance protects against losses from title defects (liens, encumbrances, ownership disputes) that existed before the policy's effective date and were not discovered during the title search.
Q8. A Minnesota deed must be recorded to be valid against:
Explanation
Under Minnesota's recording act, an unrecorded deed is valid between the parties but not against subsequent purchasers or creditors who take the property without notice of the prior transfer.
Q9. The ALTA owner's title insurance policy provides broader protection than a standard policy by covering:
Explanation
The ALTA (American Land Title Association) owner's policy provides expanded coverage over a standard policy, including protection against certain unrecorded interests, survey issues, and off-record matters revealed by an inspection.
Q10. At a Minnesota real estate closing, proration of property taxes means:
Explanation
Tax proration allocates property taxes between buyer and seller based on the number of days each owned the property during the tax year. In Minnesota, taxes are typically paid in arrears, requiring careful proration.
Q11. In Minnesota, which party typically pays for the owner's title insurance policy?
95 more Escrow & Title questions
Create a free account to unlock all 105 Minnesota Escrow & Title questions with full explanations.
Free account · No credit card · Instant access to 25 questions
Ready to take the full exam? Start free.
25 free questions · No signup · Instant access to all Minnesota topics