Connecticut
Connecticut HOA and Condo Resale Certificate: Fees, Deadlines, and How to Order
A resale certificate is the document a title company asks for before a Connecticut closing. Connecticut associations must deliver it within 10 business days. The fee is capped at $185.
Free for the resale platform. No contract to sign.
Connecticut Resale Certificate
Example Harbor Condominium Association
Regular assessment
$325.00 monthly
Buyer's review period
5 days by statute
Fee for this document
$185, the Connecticut cap
Due to the requester
Within 10 business days
Connecticut at a glance
- What Connecticut calls it
- Resale Certificate
- Fee cap
- $185
- Delivery deadline
- 10 business days
- Buyer's right to cancel
- 5 days after receiving it
Also called: condo resale certificate, Section 47-270 resale certificate. If you were told to get a Connecticut resale certificate, or a CT resale certificate as closing agents write it, for a home in an HOA or a condominium, this is that document. It has nothing to do with the sales tax resale certificate a retailer files with the state.
What each Connecticut act sets
Connecticut has 2 sets of rules, and which one applies depends on how the community was created. Havn asks once which act governs a community, then applies that act's limits to every order.
C.G.S. 47-270
Common Interest Ownership Act. Applies to condominiums, HOAs and planned communities, and cooperatives.
- Required by statute
- Yes
- Fee
- $185
- Deadline
- 10 business days from the request
- Rush
- $10 more for delivery within 3 business days
- Buyer may cancel within
- 5 days
C.G.S. 47-75a
Condominium Act of 1976. Applies to condominiums.
- Required by statute
- Yes
- Fee
- $185
- Deadline
- 10 business days from the request
- Rush
- $10 more for delivery within 3 business days
Connecticut HOA laws on resale documents, in plain words
Each entry links to the official text. Read the statute itself before relying on a summary.
C.G.S. 47-200 (Common Interest Ownership Act)
The Common Interest Ownership Act (CIOA), Title 47, Chapter 828, is Connecticut's general statute for condominiums, planned communities, and cooperatives created on or after January 1, 1984, with some provisions reaching back to older communities. It governs formation of the declaration and bylaws, association governance and records, assessments and common expenses, owner rights, and the disclosures an owner and association must give on resale of a unit. Resale certificate, estoppel/payoff, and fee-cap requirements are set out in later sections of this chapter.
C.G.S. 47-68a (Condominium Act of 1976)
The Condominium Act of 1976, Title 47, Chapter 825, is Connecticut's older condominium statute, still governing condominiums created before CIOA displaced it unless the association elected into CIOA. It covers formation of the condominium instruments, association governance, common expenses and assessments, unit owner rights, and the statements an owner and association must provide on resale of a unit. It applies only to condominiums, not planned communities or cooperatives.
C.G.S. 47-270 (Resales of units)
On the resale of a unit in a CIOA-governed community, this section requires the association to furnish a resale certificate disclosing the assessment balance and other financial and governance information, and requires the reselling owner to pass it and related governing documents to the purchaser. The statute sets a delivery deadline, a capped fee for preparing the certificate, and consequences for late delivery, including a period during which the purchaser may void the contract.
C.G.S. 47-75a (Resale of unit by person other than declarant)
On the resale of a condominium unit under the older Condominium Act of 1976, this section requires the reselling owner to obtain from the association, and deliver to the purchaser, a statement of unpaid assessments along with disclosure of anticipated capital expenditures and reserve fund status. It sets a deadline for the association to furnish these statements upon request; the statute leaves fees to the governing documents.
C.G.S. 47-87 (Liens and assessments on conveyance)
This section is the assessment payoff, estoppel-style provision for condominiums under the Condominium Act of 1976: it entitles a buyer to a statement from the association of the seller's unpaid common-expense assessments, and binds the association to that stated amount so the buyer and unit cannot be held liable beyond it.
The notice Havn prints on every Connecticut resale certificate
Every Connecticut document Havn prepares carries a notice that tells the reader where the document comes from and what Connecticut law says about it. This is the wording, act by act.
C.G.S. 47-270Condominiums, HOAs and planned communities, and cooperatives
This resale certificate is furnished under Section 47-270 of the Connecticut General Statutes (Common Interest Ownership Act). The purchaser is not liable for any unpaid assessment or fee greater than the amount stated in this certificate. The selling unit owner is not liable to the purchaser for any erroneous information the association provided in this certificate, or for the association's failure or delay in providing it. The purchase contract is voidable by the purchaser until five days, excluding Saturdays, Sundays and legal holidays, after this certificate and the accompanying declaration, bylaws and rules have been delivered to the purchaser or the purchaser's attorney (seven such days if they were sent by registered or certified mail or by mail with a certificate of mailing), or until conveyance, whichever occurs first. The information in this certificate is current as of its issue date.
C.G.S. 47-75aCondominiums
This certificate contains the statements required under Sections 47-75a and 47-87 of the Connecticut General Statutes (Condominium Act of 1976). The purchaser is jointly and severally liable with the seller for the seller's unpaid common expense assessments accrued up to the time of conveyance, and may recover from the seller any such amount the purchaser pays. The purchaser is not liable for, and the unit is not subject to a lien for, any unpaid assessments against the seller in excess of the amount stated. This certificate also reports any capital expenditures the association anticipates within the next twelve months and the status and amount of any reserve for replacement fund, including any portion earmarked for a specified project. Sections 47-75a and 47-87 do not themselves give the purchaser a period in which to cancel the purchase contract, and unless Section 47-270 applies to this community through Section 47-216(a), any review period is set by the purchase contract. The information in this certificate is current as of its issue date.
Connecticut's payoff statement: the statement of unpaid assessments
On a request made in a record, the association must furnish a unit owner a statement in recordable form setting forth the amount of unpaid assessments against the unit, within ten business days after receipt of the request; the statement is binding on the association, the executive board, and every unit owner (Conn. Gen. Stat. 47-258(h)). Section 47-216(a) applies 47-258 to common interest communities created before January 1, 1984, except as 47-217 provides. For a Condominium Act of 1976 community, 47-87(b) separately entitles the grantee to a statement that limits the grantee's and the unit's liability to the amount stated. No fee is stated for the statement.
About Demand LettersConnecticut resale certificate: common questions
What is a Connecticut resale certificate?
It is what Connecticut law has the association provide when a home in condominiums, HOAs and planned communities, and cooperatives and condominiums is sold: a statement of what the home owes and of the association's finances, insurance, and rules, under C.G.S. 47-270 and C.G.S. 47-75a.
How much does a Connecticut resale certificate cost?
Connecticut caps the fee at $185. Rush delivery can add $10 for delivery within 3 business days. Inside the cap, the association or its management company sets the price.
How long does a Connecticut association have to provide a resale certificate?
10 business days, counted from the request.
Is a resale certificate required in Connecticut?
Yes, for condominiums, HOAs and planned communities, and cooperatives and condominiums, under C.G.S. 47-270 and C.G.S. 47-75a.
Can a buyer cancel after receiving a Connecticut resale certificate?
Yes. The buyer has 5 days after receiving it to cancel the purchase contract.
Who pays for the resale certificate in Connecticut?
Whoever orders it pays the association's fee, usually the seller or the closing agent on the seller's behalf, and the purchase contract can move the cost to the buyer.
What is included in a Connecticut resale certificate?
What the home owes the association, the fees due at closing, the budget and reserves, the insurance the association carries, pending lawsuits, and the governing documents. The full list is in C.G.S. 47-270.
How do I get a resale certificate in Connecticut?
Ask the association, or its management company if it has one. Many take the request through an online order page and deliver by email. Once asked, a Connecticut association has 10 business days. A buyer should ask the seller or the closing agent to order it.
Is this the same as a Connecticut sales tax resale certificate?
No. A sales tax resale certificate is a form a retailer gives a supplier so it can buy goods without paying sales tax. It shares a name and nothing else. This page is about the HOA document used when a home is sold.
How Connecticut compares with its neighbors
Management companies that work across state lines meet a different rule on each side. Connecticut: $185, 10 business days.
New York
Resale Package
No fixed dollar cap
No statutory deadline
Not required by statute
Massachusetts
6D Certificate
No fixed dollar cap
No statutory deadline
Not required by statute
Rhode Island
Resale Certificate
$125
10 days
Required by statute
See all 51 jurisdictions on the map, compare every state in the fee and deadline table, or read about lender questionnaires, estoppel letters, and demand letters.
Your next Connecticut resale certificate could write itself.
The resale platform is free for the association. The requester pays for the document, never more than Connecticut's $185 cap. No contract to sign.