Resale Certificates
HOA and Condo Resale Certificates That Arrive Mostly Finished
Take orders, get paid, and deliver statute-correct documents in every state. The resale platform is free for management companies and self-managed boards.
Free for the resale platform. No contract to sign.
Washington Resale Certificate
Example Ridge Owners Association
Regular assessment
$190.00 monthly
Master insurance
Certificate on file
Reserve balance
$184,200.00
Right of first refusal
No
Why boards and managers choose Havn
Save hours on every order
Each document opens mostly written from the community's own records. You answer what only you know, review, and sign.
Sign up and take orders today
Create an account, add your community, and share your branded order link. No contract, no sales call, no onboarding project.
Stop worrying about state law
Fee caps, delivery deadlines, and required disclosures are built in state by state and checked on every order.
What is an HOA resale certificate?
An HOA resale certificate is a document the association prepares when a home in the community is being sold. It tells the buyer, before closing, what the unit owes, what the assessments are, and what shape the association's finances, insurance, and rules are in.
The name changes by state. The same document is a resale package, a resale disclosure, an estoppel certificate in Florida, a status letter in Colorado, a 22.1 disclosure in Illinois, and a 6(d) certificate in Massachusetts. Condominium associations issue it too, where it is often called a condo resale certificate.
Is an HOA resale certificate required?
In 34 of the 51 jurisdictions, state law requires one when a home in a community association is sold. In the other 17, no statute requires it, and associations furnish it under their governing documents because buyers, lenders, and title companies ask for it. In 20 states and the District of Columbia the buyer can cancel the contract for a set number of days after receiving it.
What does a resale certificate include?
Each state's statute sets the list, and most follow the same outline: the unit's assessment and anything unpaid, other fees due at closing, the association's budget, reserves, and financial statements, its insurance, pending lawsuits and judgments, known violations on the unit, and the governing documents themselves.
How much can an HOA charge for a resale certificate?
13 states put a dollar cap on the fee, from $50 in Wisconsin to $400 in Arizona. Idaho allows no fee at all. The rest set no dollar figure. Where the statute speaks to the fee, it has to be reasonable or reflect the association's actual cost.
How long does an HOA have to provide a resale certificate?
36 states and the District of Columbia set a deadline. The most common is 10 days from the request, counted in calendar or business days depending on the state. The range runs from 5 business days in Georgia to 30 days in Illinois. Where the state is silent, the governing documents and the closing date set the pace.
Who pays for the HOA resale certificate?
Whoever orders it pays the association's fee. That is usually the seller, the seller's agent, or the title company handling the closing. The purchase contract decides who carries the cost in the end, and it can pass to the buyer at closing. Some states also control when the fee is collected: in Arizona and New Mexico it is paid at the close of escrow.
How a resale certificate order works in Havn
Requesters order through your branded portal and pay by card. The document opens with most answers already in place, its exhibits already attached. You complete what only you know, sign, and send.
01
The order arrives
A homeowner, agent, lender, or title company orders through your branded portal and pays by card. No calls, no intake forms, no chasing checks.
02
It opens mostly finished
Most answers are already in place from the community record, each one traceable to its source, with exhibits attached.
03
You review and sign
Complete what only you know, preview the finished PDF, and sign. The statutory clock is tracked the whole time.
04
Everyone gets it
Tracked download links go to everyone on the order, under your brand. The fee settles to your own bank account.
Resale certificate fees and deadlines by state
Every state names the document differently and caps it differently. Pick a state to see what its statute allows. Havn keeps all 51 sets of rules current and checks each order against the right one.
Florida Estoppel Certificate
- Fee cap
- $299
- Delivery deadline
- 10 business days
Havn checks every Florida order against these limits.
All 51 jurisdictions
- Alabama Resale Certificate
- Alaska Resale Certificate
- Arizona Resale Disclosure Report
- Arkansas Resale Certificate
- California Escrow Disclosure Documents
- Colorado Status Letter
- Connecticut Resale Certificate
- Delaware Resale Certificate
- District of Columbia Resale Certificate
- Florida Estoppel Certificate
- Georgia Resale Package
- Hawaii Association Documents
- Idaho Statement of Account
- Illinois 22.1 Disclosure
- Indiana Resale Package
- Iowa Resale Package
- Kansas Resale Package
- Kentucky Resale Certificate
- Louisiana Resale Certificate
- Maine Resale Certificate
- Maryland Resale Certificate
- Massachusetts 6D Certificate
- Michigan Resale Package
- Minnesota Resale Disclosure Certificate
- Mississippi Resale Package
- Missouri Resale Certificate
- Montana Resale Package
- Nebraska Resale Certificate
- Nevada Resale Package
- New Hampshire Resale Package
- New Jersey Resale Package
- New Mexico Disclosure Certificate
- New York Resale Package
- North Carolina Resale Certificate
- North Dakota Resale Disclosure
- Ohio Resale Certificate
- Oklahoma Resale Package
- Oregon Resale Package
- Pennsylvania Resale Certificate
- Rhode Island Resale Certificate
- South Carolina Resale Package
- South Dakota Resale Package
- Tennessee Resale Disclosure
- Texas Resale Certificate
- Utah Resale Package
- Vermont Resale Certificate
- Virginia Resale Certificate
- Washington Resale Certificate
- West Virginia Resale Certificate
- Wisconsin Disclosure Materials
- Wyoming Resale Package
Every fee cap and deadline in one table
Sort by cap, filter to the states that have one, and check a deadline against a request date. Each figure links to the statute it comes from.
See Fees and DeadlinesOther closing documents Havn prepares
A sale or refinance in a community association rarely needs only one document. The same community record fills each of these.
Demand letters and payoff statements
What the unit owes through closing, itemized for the title or escrow company. States also call it a statement of account, a closing letter, or a status letter.
About Demand LettersLender questionnaires
The condo questionnaire a lender sends before it approves a loan, including Fannie Mae Form 1076. Havn fills the lender's own form from the community record.
About Lender QuestionnairesFlorida estoppel letters
Florida's statutory estoppel certificate, with the items the statute lists, the $299 fee it allows, and its 10 business day deadline.
About HOA Estoppel LettersResale certificates for management companies and self-managed HOAs
Management companies
Run every community's documents, orders, and records through one platform, with your brand on all of it.
- Unlimited communities, team members, and orders
- Portfolios and roles for who manages what
- One order queue sorted by what is closest to due
Self-managed associations
Board-run communities get the same engine: a portal, a library, and documents that open mostly written.
- No cost to the association
- A public order link to hand to every title company
- Card payments settle to the association's own bank account
Questions boards ask about resale certificates
Here is the short version to read out at a meeting. There is also a one page summary to print, with your state's fee cap and deadline on it.
What does it cost the association?
Nothing on the resale platform. There is no subscription and no per-seat fee. The requester pays for the document and you set that price.
What changes for volunteers?
Requests stop arriving by phone and email. Orders come in through one link, already paid, and the document opens with most answers in place. A board member reviews and signs.
How do owners and title companies order?
From a public link you share once. No account, no sign-up, and the price is shown before they order.
Who is responsible for what?
Havn prepares the draft and checks it against the state's rules. The board reviews, signs, and remains responsible for the content. Card payments settle to the association's own bank account.
Your next resale order could fulfill itself.
The resale platform is free for the association. The requester pays for the document. No contract to sign.