Indiana
Indiana HOA and Condo Resale Package (Resale Certificate): Fees, Deadlines, and How to Order
No Indiana statute requires a resale package, but title companies and lenders still ask for one before closing. Associations furnish it under their governing documents.
Free for the resale platform. No contract to sign.
Indiana Resale Package
Example Lakes Condominium Association
Regular assessment
$325.00 monthly
Reserve balance
$161,800.00
Master insurance
Certificate on file
Right of first refusal
No
Indiana at a glance
- What Indiana calls it
- Resale Package
- Fee cap
- No fixed dollar cap
- Delivery deadline
- None set by statute
- Buyer's right to cancel
- No statutory right tied to this document
Also called: resale certificate, HOA resale certificate. If you were told to get an Indiana resale certificate, or an IN 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 Indiana act sets
Indiana 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.
Ind. Code 32-25-5-2
Condominium Act. Applies to condominiums.
- Required by statute
- No. Furnished under the governing documents.
- Fee
- No fixed dollar cap
- Deadline
- None set
Ind. Code 32-25.5-3-3
Homeowners Associations Act. Applies to HOAs and planned communities.
- Required by statute
- No. Furnished under the governing documents.
- Fee
- No fixed dollar cap
- Deadline
- None set
Indiana HOA laws on resale documents, in plain words
Each entry links to the official text. Read the statute itself before relying on a summary.
Ind. Code 32-25 (Condominium Act)
Indiana's Condominium Act, recodified in 2002, governs the creation, declaration, and day to day administration of condominiums in the state. It covers unit ownership and common areas, association governance and meetings, assessments and liens, and owners' access to association records. It also addresses the statement of unpaid assessments an association must furnish when a unit changes hands, though it does not set out a separate resale certificate or disclosure package like some other states require.
Ind. Code 32-25.5 (Homeowners Associations Act)
Indiana's Homeowners Associations Act, added in 2009 and amended several times since, most recently in 2026, governs associations formed for planned communities of fee simple lots rather than condominiums. It covers association formation and governance, board and member meetings, annual budgets and assessments, members' access to financial records and meeting minutes, and limits on the fees an association or its management company can charge. A related section of Indiana's residential real estate disclosure law works alongside this act to require disclosure and an assessment statement when HOA governed property is resold or refinanced. The article applies to a homeowners association established after June 30, 2009, and to one established before July 1, 2009 only if its members elect to be governed by it (Ind. Code 32-25.5-1-1); a short list of sections applies regardless of that election.
Ind. Code 32-25-5-2 (Unpaid Assessments Statement on Conveyance)
When a condominium unit is voluntarily conveyed, the buyer and seller are jointly and severally liable for the seller's unpaid assessments unless the buyer obtains a written statement of the unpaid balance from the association, manager, or board. The statute gives the association a limited window to respond to a written request for that statement and caps the buyer's and the unit's exposure to the amount the statement discloses. If the association fails to respond in time, the buyer and the unit are relieved of liability for the unpaid assessments entirely. This section applies to condominium associations.
Ind. Code 32-25.5-3-3 (Records, budget, and prohibited fees)
Sets out a homeowners association's annual budget and meeting process, members' right to inspect financial records and board minutes, the communications an association must share with a lot owner, record retention, and search fees (none for the first hour, then up to $35 an hour and $200 in all). As amended in 2026, subsection (o) bars an association, its agent, or its management company from charging a homeowner any fee for a statement of the homeowner's own account showing unpaid assessments or other charges, which the association must keep current and provide on request; the $50 the association may charge for that statement in a resale or refinance comes from 32-21-5-8.5(f). Applies to planned-community associations, not condominiums.
Ind. Code 32-21-5-8.5 (HOA property disclosures)
Part of Indiana's residential real estate sales disclosure law (sales of residential property of four units or fewer, with court-ordered, foreclosure, fiduciary, and similar transfers exempt under 32-21-5-1). Requires the seller of property governed by a homeowners association to give the purchaser, no later than ten days before closing, a disclosure that the property is in an HOA-governed community, a copy of the recorded governing documents, a statement of whether there are assessments and their amount, and the name and address of a board member, the association's agent, or its management contractor. A homeowners association or its agent may charge no more than $50 for a statement of unpaid assessments or other charges relating to the property in a resale or refinance, a cap cut from $250 by the 2026 session (P.L.53-2026 and P.L.155-2026). A seller's failure to provide the documents does not limit enforcement of the governing documents.
The notice Havn prints on every Indiana resale package
Every Indiana document Havn prepares carries a notice that tells the reader where the document comes from and what Indiana law says about it. This is the wording, act by act.
Ind. Code 32-25-5-2Condominiums
No Indiana statute requires this resale package. It is furnished under the condominium's declaration, bylaws, and rules. The statement of unpaid assessments in this package is the statement described in Ind. Code 32-25-5-2. Under that section, the purchaser (grantee) of a condominium unit in a voluntary conveyance is jointly and severally liable with the seller (grantor) for the seller's unpaid assessments. A purchaser who obtains the statement 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 set forth in the statement.
The purchaser may obtain the statement by written request to the association, the manager, or the board of directors, sent to the last address where the seller paid assessments or to the association's address registered with the Indiana Secretary of State; the statement in this package may already satisfy that request. If the association does not provide the statement by first class or certified mail not later than ten business days after it receives the written request, the purchaser is not liable for, and the unit is not subject to a lien for, any unpaid assessments against the seller.
The information in this package is current as of its issue date.
Ind. Code 32-25.5-3-3HOAs and planned communities
No Indiana statute requires a homeowners association to issue this resale package. It is furnished under the association's governing documents to help the seller meet Ind. Code 32-21-5-8.5. That section requires the seller of property governed by a homeowners association to give the purchaser, not later than ten days before the sale closes, a disclosure that the property is in a community governed by a homeowners association, a copy of the recorded governing documents, a statement of whether there are assessments and the amount of any assessments, and the name and address of a board member, the association's agent, or the person contracted to provide management services. Under Ind. Code 32-21-5-8.5(f), a homeowners association or its agent that provides a statement of unpaid assessments or other charges relating to the property may charge not more than $50 for the statement. A seller's failure to provide any of these items does not limit or prevent enforcement of the governing documents by the homeowners association.
The information in this package is current as of its issue date.
Indiana resale package: common questions
What is an Indiana resale package?
It is the package a Indiana association puts together when a home in the community is sold: what the home owes, plus the association's budget, insurance, and governing documents. No Indiana statute prescribes it, so its contents follow the governing documents and what the closing asks for.
How much does an Indiana resale package cost?
Indiana sets no dollar cap and no statute governs the fee, so the governing documents and the management contract decide it.
How long does an Indiana association have to provide a resale package?
Indiana sets no statutory deadline. The closing date sets the pace, and a late document delays the closing.
Is a resale package required in Indiana?
No Indiana statute requires a resale package. Buyers, lenders, and title companies still ask for one, and associations furnish it under their governing documents.
Can a buyer cancel after receiving an Indiana resale package?
Indiana law ties no cancellation right to this document. Any right to cancel comes from the purchase contract or from other disclosure laws.
Who pays for the resale package in Indiana?
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 an Indiana resale package?
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.
How do I get a resale package in Indiana?
Ask the association, or its management company if it has one. Many take the request through an online order page and deliver by email. A buyer should ask the seller or the closing agent to order it.
Is this the same as an Indiana 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 Indiana compares with its neighbors
Management companies that work across state lines meet a different rule on each side. Indiana: no fixed dollar cap, none set by statute.
Illinois
22.1 Disclosure
$375
10 business days
Required by statute
Ohio
Resale Certificate
No fixed dollar cap
No statutory deadline
Not required by statute
Michigan
Resale Package
No fixed dollar cap
No statutory deadline
Not required by statute
Kentucky
Resale Certificate
No fixed dollar cap
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 Indiana resale package could write itself.
The resale platform is free for the association. The requester pays for the document. No contract to sign.