Utah Escrow & Title
Practice Questions & Answers (2026)
Escrow, title, and closing questions on the Utah exam test how real estate transactions are closed, how title is transferred, and what happens at settlement. Utah uses title companies or settlement agents to handle closings, and candidates must understand the closing process, settlement statement, and title insurance requirements under Utah 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 Utah practice.
Utah Exam Study Resources
Everything you need to pass — in one place.
Utah Escrow & Title — Practice Questions & Answers
111 questions on Escrow & Title from the Utah real estate question bank. First 10 are free — sign up to unlock all 111.
Q1. In Utah, a trustee's sale (non-judicial foreclosure) must be preceded by a notice of default and a minimum notice period to the borrower of:
Explanation
Under Utah's non-judicial foreclosure process, the trustee must record and serve a Notice of Default and allow a 90-day reinstatement period before proceeding with the trustee's sale, giving the borrower time to cure the default.
Q2. A quitclaim deed is used most often to:
Explanation
A quitclaim deed transfers only whatever interest the grantor holds (which may be nothing) without any warranties of title. It is used to clear clouds on title, transfer property between family members, or remove a co-owner from title.
Q3. In Utah, the standard for 'marketable title' means title that is:
Explanation
Marketable title is title that a reasonably prudent buyer would accept as free from reasonable doubt—title that would not expose the buyer to litigation. Minor technical defects may not render title unmarketable if they are unlikely to result in a claim.
Q4. The chain of title refers to:
Explanation
The chain of title is the chronological sequence of all recorded documents (deeds, liens, releases, etc.) that show the history of ownership from the original patent or grant to the current owner.
Q5. Title insurance protects the insured against:
Explanation
Title insurance protects against losses from defects in title that existed prior to the policy issuance date—such as undisclosed liens, forgery, errors in public records, or unknown heirs. It does not cover future events or physical property damage.
Q6. In Utah, a general warranty deed provides the grantee with which covenants?
Explanation
A general warranty deed provides the broadest title protection with five covenants: seisin (grantor owns the property), quiet enjoyment, further assurance (grantor will help clear title), general warranty (against all claims), and freedom from encumbrances (except those listed).
Q7. RESPA requires that borrowers receive a Loan Estimate within how many business days of application?
Explanation
Under RESPA and TILA-RESPA Integrated Disclosure (TRID) rules, lenders must provide the Loan Estimate within 3 business days of receiving a loan application. The Loan Estimate discloses loan terms and estimated closing costs.
Q8. Proration at closing is used to:
Explanation
Proration divides recurring expenses like property taxes, HOA dues, and rent between buyer and seller based on their respective periods of ownership during the year. The party who owns the property on a given day typically bears that day's expense.
Q9. In Utah, when does title to real property pass in a deed transaction?
Explanation
Title passes when the deed is delivered to and accepted by the grantee. Recording is important for providing constructive notice to third parties but is not required for title to pass between the grantor and grantee.
Q10. A lis pendens is a recorded notice that:
Explanation
A lis pendens ('pending lawsuit') is a recorded notice that warns potential buyers and lenders that the property's title is subject to an active lawsuit. Anyone who acquires the property takes it subject to the outcome of that litigation.
Q11. In Utah, escrow is typically handled by:
101 more Escrow & Title questions
Create a free account to unlock all 111 Utah 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 Utah topics