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Mortgage Assignment (Assumption) Agreement

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Updated March 05, 2026

A mortgage assignment agreement is between a holder of debt (assignor) and a party that assumes the debt (assignee). Under most mortgages, the borrower has no rights to object. Since a mortgage is centered upon a specific borrower's credit profile, it is difficult to replace with a new borrower.

Where to Record

Any change made to a mortgage should be recorded in the Registry of Deeds where the property is located (see table below).

Registry of Deeds (Offices)

State Registry of Deeds Statutes
 Alabama County Probate Judge

§ 43-2-420
 Alaska District Recorder’s Office § 34.20.010
 Arizona County Recorder’s Office § 33-706
 Arkansas Circuit Court § 18-40-104
 California County Recorder’s Office § 2934
 Colorado County Recorder’s Office § 38-36-161
 Connecticut County Recording Office § 49-10
 Delaware
Kent, New Castle, or Sussex County
§ 2109
 Florida County Recording Office § 701.02
 Georgia Clerk of the Superior Court § 44-2-6
 Hawaii Hawaii Bureau of Conveyances § 506-8
 Idaho County Recorder’s Office § 45-909
 Illinois County Recorder’s Office 765 ILCS 905/2
 Indiana County Recorder’s Office § 32-29-1-8
 Iowa County Recorder’s Office § 589.10
 Kansas Kansas Register of Deeds Association § 58-2306
 Kentucky County Clerk’s Office § 382.360
 Louisiana Clerk of Court’s Office § 9:5386
 Maine County Registry of Deeds § 770
 Maryland Division of Land Records at the Circuit Court § 7-101
 Massachusetts County Registry of Deeds § 28
 Michigan County Registry of Deeds § 565.33
 Minnesota County Recorder’s Office § 507.401
 Mississippi Clerk of the Chancery Clerk’s Office § 89-5-17
 Missouri County Recorder of Deeds § 443.035
 Montana County Clerk and Recorder’s Office § 71-1-207
 Nebraska County Recorder’s Office § 76-253
 Nevada County Recorders NRS 106.210
 New Hampshire County Registry of Deeds Office § 479:7
 New Jersey County Clerk’s Office § 46:9-9
 New Mexico County Clerk’s Office § 14-9-1
 New York County Court Clerk’s Office RPP § 275
 North Carolina County Registry of Deeds § 47-17.2
 North Dakota County Recorder’s Office § 35-01-25
 Ohio County Recorder’s Office § 5301.31
 Oklahoma County Clerk’s Office § 46-13
 Oregon Varies by County § 86.060
 Pennsylvania Land Records § 21 Pa. Stat. 623-1
 Rhode Island City/Town Office § 34-26-4
 South Carolina County Recorders of Deeds § 29-3-10
 South Dakota County Registry of Deeds § 30-7-30
 Tennessee County Recorder’s Office § 66-25-101
 Texas County Register of Deeds § 12.001
 Utah County Recorder’s Office § 57-1-14
 Vermont County Clerk’s Office § 1158
 Virginia Clerk of the Circuit Court § 55.1-336
 Washington County Recorder’s Office RCW 61.16.010
Washington D.C. Recorder of Deeds § 42-801
West Virginia County Clerk’s Office § 38-12-1
 Wisconsin County Register of Deeds § 708.11
 Wyoming County Records § 34-5-105

Sample

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