How many financing and settlement questions are on the real estate exam?

7 of the 80 scored items on the national portion — about 9% of it. The published content outline calls this area "Financing and settlement".

Is there a passing score for the real estate exam?

Not a national one. Each state commission sets its own, and states express it differently — Texas publishes a raw number of correct answers, California a percentage of the whole exam.

Is this the official exam?

No. These are original practice questions written for study, built to the exam’s published content outline. The exams themselves are delivered by Pearson VUE and PSI under contract to state commissions.

Financing and settlement practice test

How the purchase gets paid for, who regulates the lending, and what happens at closing.

7 scored items on the national portion 9% of the exam 16 practice questions here

Financing and settlement Question 1 of 10

RESPA prohibits a title company from paying a licensee for referring clients to it. Such a payment is:

What this area asks

Seven items covering a subject a whole industry works in, so the exam stays at the level a licensee needs: the difference between lien theory and title theory, where the money comes from (primary versus secondary market, seller financing), the loan programs and what distinguishes FHA from VA from conventional, and the consumer-protection statutes by name — Regulation Z, TRID and its two forms, RESPA and its ban on referral fees, ECOA.

Conventional and non-conventional loansSeller financing and contract for deedLien theory vs title theoryPrimary and secondary mortgage marketsMortgage clausesFHA, VA, USDA and conventional requirementsLoan-to-value, PMI and MIPTruth in Lending and Regulation ZTRID, Loan Estimate and Closing DisclosureRESPA, referrals and rebatesEqual Credit Opportunity ActSettlement and closing

The topic list above is taken from the exam’s own published content outline, where this area appears as Financing and settlement.

Frequently asked

How many financing and settlement questions are on the real estate exam?: 7 of the 80 scored items on the national portion — about 9% of it. The published content outline calls this area "Financing and settlement".
Is there a passing score for the real estate exam?: Not a national one. Each state commission sets its own, and states express it differently — Texas publishes a raw number of correct answers, California a percentage of the whole exam.
Is this the official exam?: No. These are original practice questions written for study, built to the exam’s published content outline. The exams themselves are delivered by Pearson VUE and PSI under contract to state commissions.

The other content areas

Each one draws only from its own bank, so a weak area can be worked until it is not one. The number beside each is how many of the exam’s 80 scored items it carries.

Mixed practice test Property and land use · 11 Ownership and title · 9 Valuation and appraisal · 11 Contracts and agency · 16 Brokerage and fair housing · 10 Disclosures and environment · 9 Real estate math · 7

Sources

Key factual claims on this page are grounded in the documents below, with the day each was read. Rules and requirements change — open the source if you need today's wording.

Pearson VUE — Texas Real Estate Candidate Handbook (#094400, January 2026) Read August 22, 2026

Independent exam preparation. Real Estate Exam Bank is not a state-approved pre-licensing course and completing anything here does not satisfy any state education requirement. Not affiliated with, endorsed by, or authorized by any state real estate commission, Pearson VUE, or PSI. Practice questions here are original study material, not the official exam.