What is the difference between a deed and a title?
- By Jim Blackburn
- on
- 100 first time home buyer FAQs
1. The Deed Is the Physical Document That Transfers Ownership
A deed is the actual, signed piece of paper that moves ownership from the seller to you.
��️ It lists your name (and co-buyers, if any)
It includes a legal description of the property
It must be recorded with the county or city to be official
Think of the deed as your receipt of ownership—the paper trail that proves the property has changed hands.
2. The Title Is the Legal Concept of Ownership
The title isn’t a document—it’s a legal status.
If you “hold title,” it means you have the legal right to own, use, or sell the property
The title reflects any existing claims, liens, or disputes
A clear title means no one else can challenge your ownership
So while the deed proves it happened, the title proves it’s truly yours—free and clear
3. Both Are Essential—and You Should Make Sure They’re Secure
When you buy a home, your real estate and title professionals will:
Ensure the deed is properly filed with local authorities Run a title search to uncover any issues (like liens or ownership disputes) Offer title insurance to protect you in case something surfaces later
You should never close on a home without understanding both the deed and title process—they’re your proof, your shield, and your
Want to Be Sure Your Ownership Is Secure? Let’s Review It Together
Download our free “Homebuyer Legal Basics” Guide — includes deed/title tips, what to watch for, and closing checklist
Chat live now to ask about title insurance or legal ownership concerns
Schedule a call with a Stairway Mortgage advisor to walk through your closing documents with confidence
At Stairway Mortgage, we don’t just help you get a loan—
we help you claim what’s legally, fully, and rightfully yours.
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