Which clause allows lenders to call the full loan amount due if the borrower conveys any ownership interest in the property?

The Due-on-Sale Clause is a provision included in a mortgage or loan agreement that gives the lender the right to demand the full repayment of the outstanding loan balance if the borrower sells, transfers, or otherwise conveys any ownership interest in the property to another party. This clause protects lenders from losing their security if the property is sold without their consent, ensuring that they can recover their investment by requiring immediate payment.

This mechanism allows lenders to assess the risk and reassess the borrower's creditworthiness if the ownership of the property changes, as new owners may not meet the same lending criteria as the original borrower. It is particularly relevant in scenarios where property values have fluctuated or changed since the original loan was issued.

The other options do not fit this context as precisely. The Prepayment Penalty Clause pertains to fees charged to a borrower for paying off a loan early, the Acceleration Clause allows lenders to declare the entire loan balance due if a borrower defaults on the loan terms, and the Exculpatory Clause limits the lender's legal recourse to the collateral rather than obtaining a deficiency judgment against the borrower personally in case of foreclosure.