Home inspector lead disclosure: which sales and leases it covers practice questions
20 free practice questions from 40 CFR 745.100 to 745.103. Each answer is explained and linked to the rule it comes from.
Home inspector lead disclosure: which sales and leases it covers
20 questions across 7 topics. After each answer you see why it is right, with a link to the official source.
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Target housing and its exceptions
1. A studio apartment built in 1970 is being leased to a family whose 3-year-old child will live there. Under 40 CFR 745.103, is the apartment target housing?
- A. No, because a studio apartment is always excluded as a 0-bedroom dwelling
- B. No, because only sales, not leases, can involve target housing
- C. Yes, because a child who is less than 6 years of age is expected to reside in it
- D. Yes, but only if the lease runs longer than one year
Show answer
Answer: C. Yes, because a child who is less than 6 years of age is expected to reside in it
The 0-bedroom exception applies "unless any child who is less than 6 years of age resides or is expected to reside in such housing".
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
2. Under 745.103, what makes a residential dwelling a "0-bedroom dwelling"?
- A. The living area is not separated from the sleeping area
- B. The dwelling has no separate kitchen
- C. The dwelling is rented to a single occupant
- D. The dwelling has no closets in the sleeping area
Show answer
Answer: A. The living area is not separated from the sleeping area
A 0-bedroom dwelling is "any residential dwelling in which the living area is not separated from the sleeping area."
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
3. Under 745.103, "housing for the elderly" is housing reserved for households of one or more persons of what age or more at the time of initial occupancy?
- A. 50 years
- B. 55 years
- C. 70 years
- D. 62 years
Show answer
Answer: D. 62 years
Housing for the elderly is reserved for households "composed of one or more persons 62 years of age or more at the time of initial occupancy."
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
Exempt sales and leases
4. A three-bedroom house built in 1958 is sold at a foreclosure sale. How does 745.101 treat that sale?
- A. It is covered, because the lender is a seller under 745.103
- B. It is one of the exceptions: 745.101(a) lists sales of target housing at foreclosure
- C. It is covered only if a child under 6 lives in the house
- D. It is covered, but the purchaser's evaluation period is shortened
Show answer
Answer: B. It is one of the exceptions: 745.101(a) lists sales of target housing at foreclosure
Subpart F "applies to all transactions to sell or lease target housing, including subleases, with the exception of the following:" and 745.101(a) lists "Sales of target housing at foreclosure."
Source: eCFR: 40 CFR 745.101, Scope and applicability (as of Nov 12, 2026)
5. How does 745.103 define "foreclosure"?
- A. Any of the various methods of enforcing payment of a debt by the taking and selling of real property
- B. Any sale in which the purchaser pays the full price in cash
- C. Any transfer of housing between members of the same family
- D. Any sale of housing that has stood vacant for a year or more
Show answer
Answer: A. Any of the various methods of enforcing payment of a debt by the taking and selling of real property
Foreclosure means methods "of enforcing payment of a debt, by the taking and selling of real property."
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
6. A landlord leases a two-bedroom beach cottage built in 1960 for 90 days, and the lease lets the tenant extend for another 90 days. Is the lease excepted under 745.101(c)?
- A. Yes, because the first term is 100 days or less
- B. Yes, because vacation rentals are always excepted
- C. No, because the short-term exception covers leases of 100 days or less only where no lease renewal or extension can occur
- D. No, because only leases longer than 100 days are excepted
Show answer
Answer: C. No, because the short-term exception covers leases of 100 days or less only where no lease renewal or extension can occur
745.101(c) excepts "Short-term leases of 100 days or less, where no lease renewal or extension can occur." This lease can be extended, so that exception does not fit it.
Source: eCFR: 40 CFR 745.101, Scope and applicability (as of Nov 12, 2026)
7. Under 745.101(b), a lease of target housing is excepted when the housing has been found to be lead-based paint free by whom?
- A. The lessor, after a visual check of the painted surfaces
- B. An inspector certified under the Federal certification program or under a federally accredited State or tribal certification program
- C. The local building department, when it issues a certificate of occupancy
- D. The lessee, using a store-bought test kit
Show answer
Answer: B. An inspector certified under the Federal certification program or under a federally accredited State or tribal certification program
The exception covers housing "found to be lead-based paint free by an inspector certified under the Federal certification program or under a federally accredited State or tribal certification program."
Source: eCFR: 40 CFR 745.101, Scope and applicability (as of Nov 12, 2026)
8. Under 745.101(b), what option does the lessor have about a prior finding that housing is lead-based paint free?
- A. Replacing the finding with a signed statement of the lessor's own
- B. Asking the lessee to waive the finding in writing
- C. Extending the finding to other buildings without testing
- D. Using the results of additional test(s) by a certified inspector to confirm or refute the prior finding
Show answer
Answer: D. Using the results of additional test(s) by a certified inspector to confirm or refute the prior finding
"The lessor has the option of using the results of additional test(s) by a certified inspector to confirm or refute a prior finding."
Source: eCFR: 40 CFR 745.101, Scope and applicability (as of Nov 12, 2026)
9. Under 745.101(d), when is the renewal of an existing lease in target housing excepted?
- A. When the lessee has lived in the housing for more than three years
- B. When the rent stays the same as under the existing lease
- C. When the lessee signs a waiver of the disclosure
- D. When the lessor has previously disclosed all information required under § 745.107 and no new information described in § 745.107 has come into the lessor's possession
Show answer
Answer: D. When the lessor has previously disclosed all information required under § 745.107 and no new information described in § 745.107 has come into the lessor's possession
Renewals are excepted where "the lessor has previously disclosed all information required under § 745.107 and where no new information described in § 745.107 has come into the possession of the lessor."
Source: eCFR: 40 CFR 745.101, Scope and applicability (as of Nov 12, 2026)
10. For the renewal exception in 745.101(d), what does "renewal" include?
- A. Both renegotiation of existing lease terms and/or ratification of a new lease
- B. Only an automatic extension with unchanged terms
- C. Only a renewal signed by the same lessee
- D. Only a renewal for a term of one year or less
Show answer
Answer: A. Both renegotiation of existing lease terms and/or ratification of a new lease
"renewal shall include both renegotiation of existing lease terms and/or ratification of a new lease."
Source: eCFR: 40 CFR 745.101, Scope and applicability (as of Nov 12, 2026)
Effective dates and owners
11. Under 745.102, on what date did the requirements take effect for owners of more than four residential dwellings?
- A. January 1, 1978
- B. March 6, 1995
- C. September 6, 1996
- D. June 1, 2000
Show answer
Answer: C. September 6, 1996
745.102(a): "For owners of more than four residential dwellings, the requirements shall take effect on September 6, 1996."
Source: eCFR: 40 CFR 745.102, Effective dates (as of Nov 12, 2026)
12. A mortgagee holds legal title to target housing as collateral for a mortgage loan. Under 745.103, who is the owner?
- A. The mortgagee
- B. The mortgagor
- C. The title insurance company
- D. The local tax authority
Show answer
Answer: B. The mortgagor
Where a mortgagee holds legal title as collateral for a mortgage loan, "the owner would be the mortgagor."
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
Sellers, lessors, agents and other parties
13. Under 745.103, which entity is also included in the term "seller"?
- A. An entity that transfers shares in a cooperatively owned project, in return for consideration
- B. A lender that makes a mortgage loan on the housing
- C. A lessee who renews a lease
- D. A purchaser who signs a contract to buy the housing
Show answer
Answer: A. An entity that transfers shares in a cooperatively owned project, in return for consideration
745.103 says the term seller also includes "An entity that transfers shares in a cooperatively owned project, in return for consideration".
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
14. Under 745.103, the term "agent" excludes purchasers and any purchaser's representative who receives all compensation from which party?
- A. The seller
- B. The lessor
- C. The seller's representative
- D. The purchaser
Show answer
Answer: D. The purchaser
The term agent "does not apply to purchasers or any purchaser's representative who receives all compensation from the purchaser."
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
15. A housing agency offers apartments that are target housing for rent. Under 745.103, what is the housing agency?
- A. A lessee
- B. A lessor
- C. A purchaser
- D. An agent
Show answer
Answer: B. A lessor
A lessor is "any entity that offers target housing for lease, rent, or sublease," including "housing agencies".
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
Lead-based paint and hazards
16. Which condition fits the 745.103 definition of a "lead-based paint hazard"?
- A. A condition that causes exposure to radon gas in a basement
- B. A condition that causes exposure to asbestos fibers from pipe insulation
- C. A condition that causes exposure to lead from lead-contaminated dust that would result in adverse human health effects
- D. A condition that causes exposure to mold on a bathroom ceiling
Show answer
Answer: C. A condition that causes exposure to lead from lead-contaminated dust that would result in adverse human health effects
A lead-based paint hazard is "any condition that causes exposure to lead from lead-contaminated dust, lead-contaminated soil, or lead-contaminated paint" that would result in adverse human health effects.
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
Evaluations, inspections and risk assessments
17. In Subpart F, what does "evaluation" mean?
- A. A home appraisal for the purchaser's lender
- B. A risk assessment and/or inspection
- C. A walk-through by the seller before closing
- D. Measures to reduce or eliminate exposure to lead-based paint hazards
Show answer
Answer: B. A risk assessment and/or inspection
745.103: "Evaluation means a risk assessment and/or inspection."
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
18. Under 745.103, what is an "inspection"?
- A. An on-site investigation to determine and report the existence, nature, severity, and location of lead-based paint hazards
- B. Measures designed to reduce or eliminate human exposure to lead-based paint hazards
- C. A portion of a building generally accessible to all residents/users
- D. A surface-by-surface investigation to determine the presence of lead-based paint, and the provision of a report explaining the results
Show answer
Answer: D. A surface-by-surface investigation to determine the presence of lead-based paint, and the provision of a report explaining the results
An inspection is "A surface-by-surface investigation to determine the presence of lead-based paint" and "The provision of a report explaining the results of the investigation."
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
19. Under 745.103, a risk assessment includes information gathering on what?
- A. The age and history of the housing and occupancy by children under age 6
- B. The purchaser's income and credit history
- C. The market value of nearby homes
- D. The seller's homeowner's insurance claims
Show answer
Answer: A. The age and history of the housing and occupancy by children under age 6
A risk assessment includes "Information gathering regarding the age and history of the housing and occupancy by children under age 6".
Source: eCFR: 40 CFR 745.103, Definitions (as of Nov 12, 2026)
What the rule is and what it covers
20. A buyer is purchasing a house built in 1979. According to EPA's Title X page, why does the disclosure rule not cover it?
- A. Because only homes where a child under 6 lives are covered
- B. Because HUD, not EPA, handles disclosure for newer homes
- C. Because the Consumer Product Safety Commission banned residential lead-based paint in 1978
- D. Because newer homes must be tested for lead before every sale instead
Show answer
Answer: C. Because the Consumer Product Safety Commission banned residential lead-based paint in 1978
EPA's page says the rule does not apply to "Housing built after 1977 (this rule does not cover post-1977 housing since the Consumer Product Safety Commission banned residential lead-based paint in 1978)".
Source: EPA: Lead-Based Paint Disclosure Rule (Section 1018 of Title X) (retrieved Nov 15, 2026)