{"id":6902,"date":"2023-08-23T10:01:37","date_gmt":"2023-08-23T17:01:37","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=6902"},"modified":"2026-04-06T06:26:50","modified_gmt":"2026-04-06T13:26:50","slug":"hoa-documents","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/hoa-documents\/","title":{"rendered":"Don\u2019t Forget! Disclose Those HOA Documents As Part of Your Home Sale"},"content":{"rendered":"

The amount of paperwork required during the home sale process<\/a> is staggering. When you\u2019re buried under a mountain of 180 pages<\/a> related to the deal, it\u2019s easy to neglect a stack that seems to hide on the periphery of the transaction: the Homeowners Association<\/a> (HOA) documents.<\/p>\n

But your failure to be transparent and forthcoming with the rules, regulations, and financial state of the HOA governing the block could hold up the process or come back to bite you. So we chatted with an HOA lawyer with more than 15 years of experience and an agent who\u2019s negotiated more than 600 real estate deals to walk you through what you\u2019re required to disclose<\/a> about your HOA, how to handle outstanding fees at closing and why you should have your HOA documentation professionally sourced and prepared.<\/p>\n

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Get a near-instant home value estimate from HomeLight for free. Our tool analyzes the records of recently sold homes near you, your home\u2019s last sale price, and other market trends to provide a preliminary range of value in under two minutes.<\/p>\n \n

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What\u2019s included in the HOA docs that buyers need to know about?<\/h2>\n

Buying a home in a neighborhood with an HOA comes with a variety of benefits, and a few drawbacks that your buyers should know about.<\/p>\n

They need to be prepared to pay the monthly HOA dues<\/a> and any pending assessments, and they\u2019ll want to know what those dues cover. For example, HOA dues at a condominium complex might include some form of homeowners insurance<\/a>, but this isn\u2019t typically true for a single-family home in an HOA neighborhood.<\/p>\n

The new owners also need to know about the restrictions on what they can do to their new home (like the type of holiday decor they can display in the yard or what color they can paint their house exterior) and which types of violations will result in fines. These details are all included in the HOA disclosure documents, along with the HOA\u2019s financial reports.<\/p>\n

\u201cThe HOA disclosure is a two-inch thick packet that contains all the association rules, any amendments they\u2019ve made, and the financial documents,\u201d says Roxanne McCaslin-Curtis<\/a>, a top-selling real estate agent in Sacramento. \u201cFinancial documents are probably the most important because they give you a look at the reserves they have, how much they\u2019re spending, and if there might be assessments. So it\u2019s really important to go through and read those documents thoroughly and understand what you\u2019re getting into.\u201d<\/p>\n

These financial documents give the new buyers insight as to how well the HOA manages its finances. They also spell out who\u2019s in charge of the association, and how to get in touch with the property management company if there are any issues.<\/p>\n","protected":false},"excerpt":{"rendered":"

When you\u2019re buried under a huge pile of paperwork related to your home sale, it\u2019s easy to neglect the two-inch thick stack of HOA documents.<\/p>\n","protected":false},"author":37,"featured_media":37933,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"cybocfi_hide_featured_image":"","footnotes":""},"categories":[243,322],"tags":[],"class_list":["post-6902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contracts","category-logistics"],"acf":[],"yoast_head":"\nDon\u2019t Forget! Disclose Those HOA Documents As Part of Your Home Sale<\/title>\n<meta name=\"description\" content=\"When you\u2019re buried under a huge pile of paperwork related to your home sale, it\u2019s easy to neglect the two-inch thick stack of HOA documents.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/hoa-documents\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don\u2019t Forget! 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