Ohio Escrow & Title
Practice Questions & Answers (2026)
Escrow, title, and closing questions on the Ohio exam test how real estate transactions are closed, how title is transferred, and what happens at settlement. Ohio uses title companies or settlement agents to handle closings, and candidates must understand the closing process, settlement statement, and title insurance requirements under Ohio 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 Ohio practice.
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Ohio Escrow & Title — Practice Questions & Answers
111 questions on Escrow & Title from the Ohio real estate question bank. First 10 are free — sign up to unlock all 111.
Q1. In Ohio, a Closing Disclosure (CD) must be provided to the buyer at least:
Explanation
Under TRID (TILA-RESPA Integrated Disclosure), the Closing Disclosure must be provided to the buyer at least 3 business days before the loan closing, allowing time to review final loan terms.
Q2. In Ohio, which type of deed is most commonly used to convey residential property in a typical arm's-length sale?
Explanation
The general warranty deed is the most common deed used in Ohio residential sales. The grantor warrants title against all defects throughout the property's entire history.
Q3. Which of the following BEST describes what ALTA title insurance protects against?
Explanation
ALTA (American Land Title Association) title insurance protects the insured against financial loss from undiscovered defects in title, liens, or encumbrances that existed before the policy was issued.
Q4. In Ohio, property taxes are paid:
Explanation
Ohio property taxes are paid in arrears. The previous year's taxes are paid in two installments in the current year — typically in January and July (dates vary by county).
Q5. In Ohio, the county conveyance fee is calculated based on:
Explanation
Ohio's conveyance fee is based on the consideration (purchase price) stated in the deed. The state rate is $1 per $1,000 of consideration, and counties may add their own fee on top.
Q6. Ohio's state conveyance fee rate is $1 per $1,000 of consideration. If a property sells for $275,000, what is the state conveyance fee?
Explanation
State conveyance fee = $275,000 / $1,000 × $1 = $275.00. Note that individual counties may add additional transfer fees on top of the state fee.
Q7. A sheriff's deed in Ohio is typically issued in connection with:
Explanation
In Ohio, which follows judicial foreclosure, a sheriff's deed is issued to the successful bidder at a sheriff's sale — the court-ordered sale of property following a foreclosure judgment.
Q8. In Ohio's judicial foreclosure process, what happens after the lender obtains a foreclosure judgment?
Explanation
After a court grants a foreclosure judgment in Ohio, the court orders the county sheriff to conduct a public sale (sheriff's sale) of the property to satisfy the debt.
Q9. What is a 'lis pendens' in the context of an Ohio real estate transaction?
Explanation
A lis pendens ('suit pending') is a recorded notice that litigation affecting the title or possession of real property is pending. It puts potential buyers and lenders on notice of the dispute.
Q10. What does an owner's title insurance policy protect against?
Explanation
Owner's title insurance protects the property owner against financial loss from undiscovered title defects, liens, encumbrances, or other title issues that existed before the policy was issued.
Q11. In Ohio, who is typically responsible for paying the conveyance fee (transfer tax)?
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