Minnesota
Minnesota HOA and Condo Resale Disclosure Certificate: Fees, Deadlines, and How to Order
A resale disclosure certificate is the document a title company asks for before a Minnesota closing. Minnesota associations must deliver it within 10 days. Minnesota puts no dollar cap on the fee.
Free for the resale platform. No contract to sign.
Minnesota Resale Disclosure Certificate
Example Lakes Condominium Association
Regular assessment
$165.00 monthly
Buyer's review period
10 days by statute
Master insurance
Certificate on file
Due to the requester
Within 10 days
Minnesota at a glance
- What Minnesota calls it
- Resale Disclosure Certificate
- Fee cap
- No fixed dollar cap
- Delivery deadline
- 10 days
- Buyer's right to cancel
- 10 days after receiving it
Also called: Minnesota resale certificate, MN resale certificate. If you were told to get a Minnesota resale certificate, or an MN 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 Minnesota act sets
Minnesota 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.
Minn. Stat. 515B.4-107
MCIOA. Applies to condominiums, HOAs and planned communities, and cooperatives.
- Required by statute
- Yes
- Fee
- No fixed dollar cap
- Deadline
- 10 days from the request
- Good for
- 90 days
- Buyer may cancel within
- 10 days
Minn. Stat. 515A.4-107
Uniform Condominium Act. Applies to condominiums.
- Required by statute
- Yes
- Fee
- No fixed dollar cap
- Deadline
- 10 days from the request
- Good for
- 90 days
- Buyer may cancel within
- 10 days
Minnesota HOA laws on resale documents, in plain words
Each entry links to the official text. Read the statute itself before relying on a summary.
Minn. Stat. 515A (Uniform Condominium Act)
Governs the creation, management, and termination of condominiums in Minnesota, primarily those established before June 1, 1994, when the act was later superseded for new communities. It covers declarations and plats, unit boundaries and common elements, association governance and board powers, assessments for common expenses and related liens, and purchaser protections such as disclosure statements and resale certificates.
Minn. Stat. 515A.4-107 (Resales of Units)
The Uniform Condominium Act's own resale section: a certificate from the association within seven days of the unit owner's request, dated within 90 days, with ten disclosure items. For any sale on or after June 1, 1994, the Minnesota Common Interest Ownership Act governs instead (515B.1-102(b)(1) applies chapter 515B to condominiums created under this act for later events), so a resale today issues the 515B.4-107 resale disclosure certificate with its ten-day deadline and ten-day cancellation right; this section remains for the act's own record.
Minn. Stat. 515A.3-115 (Lien for Assessments)
Gives the association a lien for unpaid assessments against a unit and requires the association, on written request from a unit owner or an authorized agent, to furnish a recordable statement of the unpaid assessments currently levied against that unit within a set deadline.
Minn. Stat. 515B (MCIOA)
The Minnesota Common Interest Ownership Act governs common interest communities, including condominiums, planned communities, and cooperatives, created on or after June 1, 1994, and applies in part to older communities that elect to come under it. It covers creation and termination of the community, association powers and governance, assessments and reserves, records, owner rights, and purchaser protections including resale disclosure.
Minn. Stat. 515B.4-107 (Resale of Units)
Requires a unit owner reselling a unit to give the purchaser a resale disclosure certificate from the association covering assessments, reserves, insurance, pending litigation, and other matters affecting the unit, and requires the association to furnish the certificate on request within a set deadline. The association may charge a reasonable fee for producing the certificate and related documents, and a purchaser is not liable for unpaid or increased assessments beyond what the certificate discloses.
Minn. Stat. 515B.3-116 (Lien for Assessments)
Gives the association a lien for unpaid assessments against a unit and requires the association, on written request from a unit owner or an authorized agent, to furnish a statement of the unpaid assessments currently levied against that unit, in recordable form, within a set deadline; the statement then binds the association and unit owners.
Minn. Stat. 515B.4-108 (Purchaser's Right to Cancel Resale)
Gives a purchaser who was not given the resale disclosure certificate and governing documents more than ten days before signing the purchase agreement the right to cancel the agreement, before conveyance, within ten days after receiving them, without penalty and with all payments refunded. The right may be modified or waived only by a separate instrument the purchaser signs more than three days after receiving the certificate, and the seller may not condition the sale on a waiver. Applies to every planned community and cooperative regardless of creation date and to condominiums created under the earlier acts.
The notice Havn prints on every Minnesota resale disclosure certificate
Every Minnesota document Havn prepares carries a notice that tells the reader where the document comes from and what Minnesota law says about it. This is the wording, act by act.
Minn. Stat. 515B.4-107Condominiums, HOAs and planned communities, and cooperatives
The association furnishes this resale disclosure certificate under Minnesota Statutes, section 515B.4-107, within ten days after a request by the unit owner or the owner's authorized representative. The association may charge a reasonable fee for the certificate and the association documents related to it. The certificate must be dated not more than 90 days before the purchase agreement or the conveyance, whichever is earlier, and the information in it is current as of the date it was issued.
A purchaser is not liable for unpaid common expense assessments, including special assessments, that are not set forth in this certificate. A purchaser is also not liable for the amount by which the annual or special assessments payable in the year this certificate was given exceed the amounts stated here, except for increases later approved in accordance with the declaration or bylaws. The unit owner selling the unit is not liable to the purchaser for erroneous information the association supplied for this certificate, or for the association's failure or delay in providing it.
If the purchaser did not receive this certificate and the other documents required by section 515B.4-107 more than ten days before signing the purchase agreement, the purchaser may cancel the purchase agreement at any time before conveyance by giving notice to the seller or the seller's agent, in writing or by electronic communication to the address the seller provided, within ten days after receiving them. Cancellation is without penalty, and all payments made by the purchaser must be refunded promptly. This right may be modified or waived only by an instrument separate from the purchase agreement, signed by the purchaser more than three days after the purchaser receives this certificate, and the seller may not require that waiver as a condition of the sale. See Minnesota Statutes, section 515B.4-108.
Minn. Stat. 515A.4-107Condominiums
This condominium was created under the Minnesota Uniform Condominium Act, Minnesota Statutes chapter 515A. Under Minnesota Statutes, section 515B.1-102(b)(1), the Minnesota Common Interest Ownership Act governs events occurring on or after June 1, 1994, so this resale is governed by chapter 515B.
The association furnishes this resale disclosure certificate under Minnesota Statutes, section 515B.4-107, within ten days after a request by the unit owner or the owner's authorized representative. The association may charge a reasonable fee for the certificate and the association documents related to it. The certificate must be dated not more than 90 days before the purchase agreement or the conveyance, whichever is earlier, and the information in it is current as of the date it was issued.
A purchaser is not liable for unpaid common expense assessments, including special assessments, that are not set forth in this certificate. A purchaser is also not liable for the amount by which the annual or special assessments payable in the year this certificate was given exceed the amounts stated here, except for increases later approved in accordance with the declaration or bylaws. The unit owner selling the unit is not liable to the purchaser for erroneous information the association supplied for this certificate, or for the association's failure or delay in providing it.
If the purchaser did not receive this certificate and the other documents required by section 515B.4-107 more than ten days before signing the purchase agreement, the purchaser may cancel the purchase agreement at any time before conveyance by giving notice to the seller or the seller's agent, in writing or by electronic communication to the address the seller provided, within ten days after receiving them. Cancellation is without penalty, and all payments made by the purchaser must be refunded promptly. This right may be modified or waived only by an instrument separate from the purchase agreement, signed by the purchaser more than three days after the purchaser receives this certificate, and the seller may not require that waiver as a condition of the sale. See Minnesota Statutes, section 515B.4-108.
Minnesota's payoff statement
On written request of a unit owner or the owner's authorized agent, the association must furnish a statement setting forth the amount of unpaid assessments currently levied against the unit, in recordable form if the owner's interest in the unit is real estate, within ten business days after receipt of the request; the statement is binding on the association and every unit owner (Minn. Stat. 515B.3-116(g); 515A.3-115(g) requires a recordable statement). Section 515B.3-116(g) states no fee. Section 515B.3-102(a)(12) allows reasonable charges for statements of unpaid assessments until January 1, 2027, when Laws 2026 chapter 82 section 3 removes them from that clause; review this fee before that date.
About Demand LettersMinnesota resale disclosure certificate: common questions
What is a Minnesota resale disclosure certificate?
It is what Minnesota 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 Minn. Stat. 515B.4-107 and Minn. Stat. 515A.4-107.
How much does a Minnesota resale disclosure certificate cost?
Minnesota sets no dollar cap, so the association or its management company sets the fee.
How long does a Minnesota association have to provide a resale disclosure certificate?
10 days, counted from the request.
Is a resale disclosure certificate required in Minnesota?
Yes, for condominiums, HOAs and planned communities, and cooperatives and condominiums, under Minn. Stat. 515B.4-107 and Minn. Stat. 515A.4-107.
Can a buyer cancel after receiving a Minnesota resale disclosure certificate?
Yes. The buyer has 10 days after receiving it to cancel the purchase contract.
Who pays for the resale disclosure certificate in Minnesota?
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 Minnesota resale disclosure 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 Minn. Stat. 515B.4-107.
How do I get a resale disclosure certificate in Minnesota?
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 Minnesota association has 10 days. A buyer should ask the seller or the closing agent to order it.
Is this the same as a Minnesota 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 Minnesota compares with its neighbors
Management companies that work across state lines meet a different rule on each side. Minnesota: no fixed dollar cap, 10 days.
Wisconsin
Disclosure Materials
$50
10 days
Required by statute
Iowa
Resale Package
No fixed dollar cap
10 business days
Not required by statute
North Dakota
Resale Disclosure
No fixed dollar cap
10 days
Required by statute
South Dakota
Resale Package
No fixed dollar cap
No statutory deadline
Not 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 Minnesota resale disclosure certificate could write itself.
The resale platform is free for the association. The requester pays for the document. No contract to sign.