How to fill out Mississippi 78-007

Not a lien release, though it is what most sellers find when they go looking for one. The 78-007 moves a recorded lien from one lender to another - the lien shown in favor of the undersigned Assignor on the attached Certificate of Title - when a loan is sold or refinanced, and the new lender applies for a fresh certificate showing itself. A seller paying off a car signs nothing on it; it is on this page so you recognise it and put it down.

Top of the blank Mississippi 78-007, Assignment of Lien, as the agency publishes it

Step 1 · the form itself Blank 78-007 — Assignment of Lien PDF at dor.ms.gov · new tab View the blank 78-007

Top of our filled-in example of Mississippi 78-007, Assignment of Lien

Step 2 · how to fill it in Our filled-in 78-007 guide PDF · 2 pages · 430 KB · new tab See our filled-in example

Two documents, and they are not the same thing. Take the blank 78-007 from the dor.ms.gov copy so you get the revision that is current today, then print our 78-007 guide and keep it beside you when you read theirs.

Written against 78-007 (09/17), issued under the lienholder shown on the certificate - this is a lender's document from its first line. If a buyer's lender or a title pledge company asks you to sign a 78-007 as part of a private sale, stop and read what you are being handed - a private individual is not a lienholder of record, and the only lien that belongs in your sale is the buyer's new one, recorded on their application, not assigned from anybody.

Last updated August 22, 2026.

Filled in

What a completed one looks like

This is the actual 78-007, rendered from the PDF the Mississippi Department of Revenue, Motor Vehicle Services publishes and completed end to end: letterhead, every field, and the blocks at the foot.

Amber — the fields that get filled in
Grey — not yours to fill
Numbered — explained below

A Mississippi Form 78-007 Assignment of Lien filled in as the lender-to-lender document it is: Pinebelt Farmers Guaranty Bank assigns its recorded lien on a 2017 Nissan Frontier, VIN 1N6AD0EV8HN760413, certificate of title 20647318 issued to Harmon T. Leflore of Florence, to Tombigbee Valley Acceptance Company of Columbus, with the assignment dated and the application-for-transfer half naming the new first lien with the original lien date preserved, its signature lines left for the lenders' ink. — The actual 78-007 completed the only way it ever legitimately is - by two lenders, over a seller's head. The owner's name appears once, as the person the certificate was issued to, and no line on either half of the form is his to sign. If your loan is simply paid off, the document you want bears no resemblance to this one: it is a release on the face of your certificate, or an electronic release the lender transmits.

Field by field

Every line, in the order you meet it

1
The lienholder fills this in
The certificate block
Title number, issuance date, the owner's name and address - the old lender copies these from the certificate it holds.
Watch out: This is the one place a seller appears on the form: as a name in a lender's records. If you are being asked to supply anything more than confirmation of these details, ask why.
2
The lienholder fills this in
Make and VIN
The vehicle, in two lines.
Watch out: Lenders identify cars by VIN and certificate number, not by plate - the plate is registration, and registration is the county's business, not the lien's.
3
The lienholder fills this in
Assigned to, address, assigned date
The new lienholder and the date the loan changed hands.
Watch out: The assigned date matters to the record: the substitution regulation keeps the original security agreement's lien date, so the new lender inherits the old priority rather than starting fresh.
4
The lienholder fills this in
Signature and witness
The assignor's authorized representative signs; a witness adds name and address.
Watch out: Note what Mississippi asks of lenders here versus sellers on the assignment: your transfer needs no witness at all, and this one does. Formality tracks who is moving the money.
5
The lienholder fills this in
The application for transfer of lien
Below the cut line, the assignee applies for a new certificate subject to the liens named and none other.
Watch out: The reissued certificate is why a seller might glimpse this form at all - the title that eventually reaches your buyer's chain shows the successor lender, and this is the paperwork that put it there.

At a glance

What goes where

On the form	What to put in it
The lien being assigned	Certificate of title number, its date of issuance, who it was issued to and their address - identifying the lien by the certificate that records it.
The vehicle	Make and vehicle identification number, one line each.
The assignment	Assigned to (the new lender), that lender's address, and the assigned date.
The assignor's execution	The old lienholder's name, the signature of its authorized representative, and a witness block with name and address - a lender-to-lender formality no private sale ever has.
The application half, below the dotted line	APPLICATION FOR TRANSFER OF LIEN: the assignee confirms the transfer and applies for a new Certificate of Title subject to the following named liens and none other, with first-lien and second-lien blocks. The top half stays in the lender's records; the cut line says so.

What gets this one rejected

•A seller filing it to clear a paid-off loan. Nothing on the form releases anything - it keeps the lien alive under a new name. A payoff is recorded by release, not assignment.
•Filing it without the certificate. The form's first sentence ties the lien to the attached Certificate of Title, so it travels with the paper it amends.
•Missing the fee. The form prints its price in the corner - a $10.00 fee for the new certificate the assignee is applying for.
•An unsigned witness block. The assignor's representative signs and a witness with a full address backs the signature - lender paperwork holds itself to formalities the private assignment never asks for.
•Second liens smuggled in. The application half binds the new certificate to the liens named and none other, so an unlisted encumbrance dies on the reissue.

Rules that decide whether it is accepted

•What a paid-off seller needs instead. A release, and Mississippi gives it two shapes. On paper, the lienholder releases the lien on the front of the title and hands the certificate over - the Department's e-lien FAQ describes exactly that paper-title lien release. Electronically, a lienholder with a federal EIN must transmit the release within 14 days of satisfaction, and a lien more than eight years old is recorded as satisfied unless the lender recertifies it annually.
•When the lender has vanished. The 78-006's own instructions put the burden where it hurts: if the lienholder has gone out of business or changed names and the loan has been paid in full, it is still the owner's responsibility to obtain a lien release. That means chasing the successor institution - the eight-year automatic satisfaction is the backstop for liens old enough to qualify.

Every line here was read off 78-007 (09/17) itself — the PDF is here — and off the Mississippi Department of Revenue, Motor Vehicle Services pages. This is plain-language help with a form, not legal advice, and where our wording and the agency's differ, theirs governs.

Forms that go with this one

Paying off your own loan takes nothing on this form; our Biloxi page shows how selling with a loan works: the lender is paid from the proceeds and you keep the difference.

Back to all Mississippi seller paperwork, or what selling a car in Mississippi involves.

How to fill out Mississippi 78-007

What a completed one looks like

Every line, in the order you meet it

The certificate block

Make and VIN

Assigned to, address, assigned date

Signature and witness

The application for transfer of lien

What goes where

What gets this one rejected

Rules that decide whether it is accepted

Forms that go with this one

Want the paperwork handled instead?

Or send the details — we'll come to you