The clause in a mortgage that causes the entire balance of the note to become immediately due and payable upon the sale or transfer of the property is known as the

A prepayment penalty clause imposes a fee on the borrower if they pay off the loan early, typically to compensate the lender for lost interest income. This clause does not relate to property sales or transfers; instead, it focuses on the timing and methods of loan repayment.

A subordination clause allows a lender to subordinate their loan to a new loan or lien, typically to facilitate refinancing or additional borrowing by the borrower. This clause does not address the immediate repayment of the loan upon sale or transfer of the property; rather, it involves the hierarchy of claims against the property.

A foreclosure clause outlines the procedures a lender can follow to reclaim the property in case of borrower default. While it deals with the lender's rights upon non-payment, it does not trigger immediate repayment upon sale or transfer of the property, which is the primary function of the due-on-sale clause.