Chain of Title | US Mortgage Index

Definition

Chain of title is the sequence of ownership transfers for a property. It is not a title search and not title insurance.

In plain English

Before a mortgage closes, someone has to see how ownership moved from earlier owners to the seller. That ownership history is the chain of title. A title search is the work of looking. Title insurance is a policy that covers certain title risks. Recording is how documents enter the public record.

Technical definition

HUD Handbook 4000.1 uses an official Chain of Title heading and is PRIMARY. CFPB title-search and title-insurance key terms are supporting consumer context. State recording systems vary.

Why it matters

Closing packets mix ownership history, the search, and the insurance policy. Readers need those jobs kept distinct.

Sources reviewed

Mortgage key terms

Consumer Financial Protection BureauSupporting source

ObservedSeptember 4, 2026

Open Mortgage key terms ↗

Single Family Housing Policy Handbook 4000.1

U.S. Department of Housing and Urban DevelopmentPrimary source

ObservedSeptember 7, 2026

Open Single Family Housing Policy Handbook 4000.1 ↗

Important note

State recording systems and title-search procedures vary. FHA's ownership-history review is program-specific and is not a national consumer procedure.