Free Georgia Real Estate Practice Exam 2026

Georgia real estate exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. 1. When a Georgia licensee completes a written offer to buy, the license law requires it to include:

   • A.The listing agent's commission
   • B.The method of payment
   • C.The seller's loan balance
   • D.The buyer's credit score

   Answer: B. O.C.G.A. 43-40-25.1 requires a property description, the method of payment, any special stipulations and the dates needed to judge timely performance, and it says completing attorney-prepared forms is not the practice of law. Rule 520-1-.10(2) adds the license numbers of each firm and licensee.

2. 2. A buyer's agent asks a Georgia listing agent whether anyone died in the house, and the agent knows a former owner died there. The agent must:

   • A.Decline, since no duty exists
   • B.Say the law forbids an answer
   • C.Refer the question to the seller
   • D.Answer the question truthfully

   Answer: D. O.C.G.A. 44-1-16(a) bars any claim for not volunteering that a property was the site of a death, homicide or suicide, but an owner or licensee who is asked must answer truthfully to the best of his or her knowledge. Only questions whose answer would violate fair housing law may go unanswered.

3. 3. Since July 1, 2025, Georgia's intangible recording tax applies to a note secured by real estate when any part of the principal falls due more than how long after the note's date?

   • A.62 months
   • B.36 months
   • C.48 months
   • D.60 months

   Answer: A. HB 586 (2025) amended O.C.G.A. 48-6-60(3) so a long-term note has principal due more than 62 months from the note or security instrument date, replacing the old three-year line. A note due within 62 months is not taxed (DOR Bulletin 2025-02).

4. 4. A buyer wants protection against covered title defects for as long as she or her heirs own the home. She should purchase:

   • A.A one-year home warranty
   • B.A lender's (mortgagee's) title policy
   • C.An owner's title policy
   • D.An updated abstract of title

   Answer: C. An owner's policy protects the buyer and her heirs for as long as they hold title, up to the policy amount. A lender's policy protects only the mortgagee and declines as the loan is paid down, while an abstract is merely a summary of the recorded documents.

5. 5. A salesperson plans to cold-call homeowners about listing their homes. Under federal Do Not Call rules, the salesperson must:

   • A.Call only on weekdays
   • B.Get written consent before every call
   • C.Check the registry at least every 31 days
   • D.Register with HUD as a telemarketer

   Answer: C. Telemarketers, including real estate licensees making cold calls, must scrub their call lists against the National Do Not Call Registry at least every 31 days. Federal rules allow calls between 8 in the morning and 9 at night on any day, not only weekdays.

6. 6. A buyer pays $325,000 with a $260,000 loan. Buyer closing costs are $9,750, and a $10,000 earnest money deposit was paid at contract. What cash is due at closing?

   • A.$64,750
   • B.$74,750
   • C.$55,000
   • D.$324,750

   Answer: A. Down payment is $325,000 - $260,000 = $65,000; adding $9,750 in costs gives $74,750; subtracting the $10,000 earnest money already paid leaves $64,750. Forgetting the earnest money credit gives $74,750, and leaving out closing costs gives $55,000.