DRIVERS ED FINAL (MVA) PRACTICE
EXAMINATION 2026 QUESTIONS
WITH ANSWERS GRADED A+
◍ Graduating Licensing System.
Answer: Thia reduces crashes (1) Permit (2) Provisional License (3) Full
License
◍ What is the maximum percent of area median income allowable for a
household to qualify for a Housing Choice Voucher?.
Answer: 50%
◍ Which is the maximum recommended housing ratio for renting an
apartment?.
Answer: 30%
◍ Eligibility requirements for down-payment assistance programs include
which factors?.
Answer: Income, home-buyer education, purchase price
◍ The client is considering an FHA mortgage. What is the upfront mortgage
insurance premium (UFMIP) for anFHA mortgage?.
Answer: 1.75%
◍ permit.
Answer: -Pass Vision & Knowledge Test-Must hold 9 months without
Violation-Need to have a guardian that is 21 and older with 3 yrs of
experience
◍ Provisional Liscense.
Answer: Must be 16 and 6 months, Complete Drivers Ed, Submit 60 hours
of driving practice, and pass driving skills testif under 18 Can't drive teens
, unless famcan't drive between 12 am and 5 am unless for extra
curricularscan't drive with wireless communicationOver 25-14 hrs of
driving- if convicted they will need to hold for 9 months
◍ If the client was denied a mortgage loan and the lender told him to come
back after his divorce had been final for three years, what is the best advice
for the housing counselor to provide to the client to report a violation to
ECOA?.
Answer: Contact the Federal Trade Commission as the lender's action might
violate the Equal Credit Opportunity Act
◍ A question from a lender on the client's Medical History would be
inappropriate or appropriate?.
Answer: Inappropriate
◍ Who is responsible for educating home-buyers about their rights?.
Answer: Housing Counselor
◍ In order to minimize the impact on the client's credit score, what is the
maximum time frame within which the client should apply for pre-approval
from multiple lenders?.
Answer: A 30-day period
◍ What are the responsibilities of a home inspector?.
Answer: Examine mechanical systems, Evaluate the condition of a home,
Identify items to be repaired or replaced
◍ Which is the best reason that a housing counselor would suggest that a client
speak to three to five different lenders?.
Answer: To compare loan estimates
◍ driver's license.
Answer: hold for 18.months with no violation
◍ Which is the best advice that a housing counselor can give the client to
protect against identity theft?.
Answer: Review credit report at least once per year
,◍ Highway Transportation System.
Answer: complex system made up of people, vehicles, and roadways
◍ Guide Signs.
Answer: Mark routes, intersections, service areas, and other points of
interest or information- Red, White, And Blue.
◍ The client tells the lender that he is expecting a raise soon. Should the
Lender provide a Loan Estimate (LE) with, or without factoring the raise?.
Answer: Provide a loan estimate without factoring in the raise
◍ If this client obtains a mortgage of $100,000, typically, how much should he
expect to pay for closing costs?.
Answer: $3000 to $4000
◍ Is Application Fee an upfront cost of clients who are considering renting or
buying a property?.
Answer: Renting
◍ Guide signs meaning.
Answer: -Black and white indicate U.S and State routes- Brown Special
places (parkes)- Blue indicate interstate numbers and services like gas- Any
2 digit interstate means it goes to another state- Even numbers means E to
W- Odd numbers N to S
◍ A client wants to customize his home with do-it-yourself projects, this is an
indication the client is best aligned with which housing option;
Home-ownership or Renting?.
Answer: Home-ownership
◍ Warning Signs.
Answer: normally are yellow and diamond-shaped, with black letters or
symbols.Telling upcomping road changes like ln change or merge. Orange
and Red means constructionPink means incident
◍ Regulatory Signs.
Answer: black, white, red telling the driver what action are legal and
, illegalSpeed limit- 25 resident, 35&45, rural,suburban,and urban, 55 and 65
highway
◍ Yellow Lines.
Answer: Seperates cars going in opposite directions, mark on LEFT edge of
the road
◍ Single solid yellow line.
Answer: Marks left edge lines on divided highways, one-way roads, and
ramps
◍ Double Yellow.
Answer: no passing
◍ Solid and broken yellow lines.
Answer: A broken yellow line alongside a solid yellow line indicates that
passing is permitted only in one direction. If the broken yellow line is on
your side, you may passwhen the roadway ahead is clear. If the solid yellow
line is on your side, you may not pass.
◍ Single broken yellow line.
Answer: You can pass only if its safe
◍ White Lines.
Answer: separate travel lanes moving in the same direction, where you may
stop, mark the RIGHT edge of the road
◍ The client's gross monthly income is $4167 and the monthly debts are $435.
What is the maximum mortgage payment (rounded to the nearest dollar) for
which this client would qualify using a standard conventional loan?.
Answer: $1,065NOTE: The maximum front-end ratio for a standard
conventional loan is 28%, and the back-end ratio is 36%. The front-end ratio
is calculated as 28% of the client's monthly income of $4,167, which is
$1,167. The back-end ratio is calculated as 36% of theclient's monthly
income of $4,167 minus the client's monthly debt of $435, which equals
$1,065. Therefore, the maximum loan payment that the client qualifies for is
the lower of the two numbers, which is $1,065.
EXAMINATION 2026 QUESTIONS
WITH ANSWERS GRADED A+
◍ Graduating Licensing System.
Answer: Thia reduces crashes (1) Permit (2) Provisional License (3) Full
License
◍ What is the maximum percent of area median income allowable for a
household to qualify for a Housing Choice Voucher?.
Answer: 50%
◍ Which is the maximum recommended housing ratio for renting an
apartment?.
Answer: 30%
◍ Eligibility requirements for down-payment assistance programs include
which factors?.
Answer: Income, home-buyer education, purchase price
◍ The client is considering an FHA mortgage. What is the upfront mortgage
insurance premium (UFMIP) for anFHA mortgage?.
Answer: 1.75%
◍ permit.
Answer: -Pass Vision & Knowledge Test-Must hold 9 months without
Violation-Need to have a guardian that is 21 and older with 3 yrs of
experience
◍ Provisional Liscense.
Answer: Must be 16 and 6 months, Complete Drivers Ed, Submit 60 hours
of driving practice, and pass driving skills testif under 18 Can't drive teens
, unless famcan't drive between 12 am and 5 am unless for extra
curricularscan't drive with wireless communicationOver 25-14 hrs of
driving- if convicted they will need to hold for 9 months
◍ If the client was denied a mortgage loan and the lender told him to come
back after his divorce had been final for three years, what is the best advice
for the housing counselor to provide to the client to report a violation to
ECOA?.
Answer: Contact the Federal Trade Commission as the lender's action might
violate the Equal Credit Opportunity Act
◍ A question from a lender on the client's Medical History would be
inappropriate or appropriate?.
Answer: Inappropriate
◍ Who is responsible for educating home-buyers about their rights?.
Answer: Housing Counselor
◍ In order to minimize the impact on the client's credit score, what is the
maximum time frame within which the client should apply for pre-approval
from multiple lenders?.
Answer: A 30-day period
◍ What are the responsibilities of a home inspector?.
Answer: Examine mechanical systems, Evaluate the condition of a home,
Identify items to be repaired or replaced
◍ Which is the best reason that a housing counselor would suggest that a client
speak to three to five different lenders?.
Answer: To compare loan estimates
◍ driver's license.
Answer: hold for 18.months with no violation
◍ Which is the best advice that a housing counselor can give the client to
protect against identity theft?.
Answer: Review credit report at least once per year
,◍ Highway Transportation System.
Answer: complex system made up of people, vehicles, and roadways
◍ Guide Signs.
Answer: Mark routes, intersections, service areas, and other points of
interest or information- Red, White, And Blue.
◍ The client tells the lender that he is expecting a raise soon. Should the
Lender provide a Loan Estimate (LE) with, or without factoring the raise?.
Answer: Provide a loan estimate without factoring in the raise
◍ If this client obtains a mortgage of $100,000, typically, how much should he
expect to pay for closing costs?.
Answer: $3000 to $4000
◍ Is Application Fee an upfront cost of clients who are considering renting or
buying a property?.
Answer: Renting
◍ Guide signs meaning.
Answer: -Black and white indicate U.S and State routes- Brown Special
places (parkes)- Blue indicate interstate numbers and services like gas- Any
2 digit interstate means it goes to another state- Even numbers means E to
W- Odd numbers N to S
◍ A client wants to customize his home with do-it-yourself projects, this is an
indication the client is best aligned with which housing option;
Home-ownership or Renting?.
Answer: Home-ownership
◍ Warning Signs.
Answer: normally are yellow and diamond-shaped, with black letters or
symbols.Telling upcomping road changes like ln change or merge. Orange
and Red means constructionPink means incident
◍ Regulatory Signs.
Answer: black, white, red telling the driver what action are legal and
, illegalSpeed limit- 25 resident, 35&45, rural,suburban,and urban, 55 and 65
highway
◍ Yellow Lines.
Answer: Seperates cars going in opposite directions, mark on LEFT edge of
the road
◍ Single solid yellow line.
Answer: Marks left edge lines on divided highways, one-way roads, and
ramps
◍ Double Yellow.
Answer: no passing
◍ Solid and broken yellow lines.
Answer: A broken yellow line alongside a solid yellow line indicates that
passing is permitted only in one direction. If the broken yellow line is on
your side, you may passwhen the roadway ahead is clear. If the solid yellow
line is on your side, you may not pass.
◍ Single broken yellow line.
Answer: You can pass only if its safe
◍ White Lines.
Answer: separate travel lanes moving in the same direction, where you may
stop, mark the RIGHT edge of the road
◍ The client's gross monthly income is $4167 and the monthly debts are $435.
What is the maximum mortgage payment (rounded to the nearest dollar) for
which this client would qualify using a standard conventional loan?.
Answer: $1,065NOTE: The maximum front-end ratio for a standard
conventional loan is 28%, and the back-end ratio is 36%. The front-end ratio
is calculated as 28% of the client's monthly income of $4,167, which is
$1,167. The back-end ratio is calculated as 36% of theclient's monthly
income of $4,167 minus the client's monthly debt of $435, which equals
$1,065. Therefore, the maximum loan payment that the client qualifies for is
the lower of the two numbers, which is $1,065.
