Contracts

In Texas, the 'doctrine of equitable conversion' holds that after a real estate contract is signed but before closing:

AEither party can back out without penalty
BThe buyer holds equitable title and bears the risk of loss unless the contract provides otherwise✓ Correct
CThe seller retains all risk of loss
DTREC determines who bears the risk

Explanation

Under equitable conversion, once a valid contract is signed, equity treats the buyer as the equitable owner of the property. This means the buyer may bear the risk of loss if the property is damaged or destroyed before closing, unless the contract provides otherwise (as TREC contracts do with a seller's maintenance obligation).

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