The best replacement for encumbrance is encroachment.

The best alternatives to encumbrance are rated as following:
★★★★★  encroachment
★★★★★  appropriation
★★★★★  lien
★★★  encumbrance
★★  obligation
★★  expenditure
★★  easement
  pre-encumbrance

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Google Trends

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encumbrance
encroachment
appropriation