Pennsylvania
Pennsylvania HOA and Condo Resale Certificate: Fees, Deadlines, and How to Order
A resale certificate is the document a title company asks for before a Pennsylvania closing. Pennsylvania associations must deliver it within 10 days. Pennsylvania puts no dollar cap on the fee.
Free for the resale platform. No contract to sign.
Pennsylvania Resale Certificate
Example Commons Condominium Association
Regular assessment
$325.00 monthly
Buyer's review period
5 days by statute
Master insurance
Certificate on file
Due to the requester
Within 10 days
Pennsylvania at a glance
- What Pennsylvania calls it
- Resale Certificate
- Fee cap
- No fixed dollar cap
- Delivery deadline
- 10 days
- Buyer's right to cancel
- 5 days after receiving it
Also called: 5407 resale certificate, 3407 resale certificate. If you were told to get a Pennsylvania resale certificate, or a PA 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 Pennsylvania act sets
Pennsylvania has 3 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.
68 Pa. C.S. 3407
Uniform Condominium Act. Applies to condominiums.
- Required by statute
- Yes
- Fee
- No fixed dollar cap
- Deadline
- 10 days from the request
- Buyer may cancel within
- 5 days
68 Pa. C.S. 5407
Uniform Planned Community Act. Applies to HOAs and planned communities.
- Required by statute
- Yes
- Fee
- No fixed dollar cap
- Deadline
- 10 days from the request
- Buyer may cancel within
- 5 days
68 Pa. C.S. 4409
Real Estate Cooperative Act. Applies to cooperatives.
- Required by statute
- Yes
- Fee
- No fixed dollar cap
- Deadline
- 10 days from the request
- Buyer may cancel within
- 5 days
Pennsylvania HOA laws on resale documents, in plain words
Each entry links to the official text. Read the statute itself before relying on a summary.
68 Pa. C.S. 3101 (Uniform Condominium Act)
The Uniform Condominium Act governs condominiums created in Pennsylvania after mid 1980, and certain of its consumer protection and governance provisions also reach condominiums formed before that date. It sets the framework for creating, altering, and terminating a condominium, for the powers and governance of the unit owners' association, and for assessments, liens, and association records. It also establishes purchaser protections, including public offering statement and resale disclosure requirements.
68 Pa. C.S. 5101 (Uniform Planned Community Act)
The Uniform Planned Community Act governs planned communities created in Pennsylvania after early 1997, covering homeowner associations for developments outside the condominium and cooperative forms. It addresses creation, alteration, and termination of the community, association powers and governance, assessments and liens, and association records. It also sets purchaser protections, including public offering statement and resale disclosure requirements.
68 Pa. C.S. 4101 (Real Estate Cooperative Act)
The Real Estate Cooperative Act governs cooperative housing associations formed in Pennsylvania after early 1993, where residents hold a proprietary lease or similar interest rather than direct title to a unit. It covers creation, alteration, and termination of the cooperative, association governance and powers, and assessments, liens, and records. It also sets purchaser protections, including public offering statement and resale disclosure requirements for proprietary lessees.
68 Pa. C.S. 3407 (Resales of units)
This section requires an owner reselling a condominium unit to give the purchaser the governing documents and a certificate disclosing unpaid assessments and other fees owed along with financial, insurance, and governance information about the association. It also requires the association to furnish that certificate to the owner on request and limits a purchaser's liability to the amount the certificate discloses.
68 Pa. C.S. 5407 (Resales of units)
This section requires an owner reselling a unit in a planned community to give the purchaser the governing documents and a certificate disclosing unpaid assessments and other fees owed along with financial, insurance, and governance information about the association. It also requires the association to furnish that certificate to the owner on request and limits a purchaser's liability to the amount the certificate discloses.
68 Pa. C.S. 4409 (Resales of cooperative interests)
This section requires a proprietary lessee reselling a cooperative interest to give the purchaser the governing documents and a certificate disclosing unpaid assessments and other fees owed along with financial, insurance, and governance information about the association. It also requires the association to furnish that certificate on request and limits a purchaser's liability to the amount the certificate discloses.
The notice Havn prints on every Pennsylvania resale certificate
Every Pennsylvania document Havn prepares carries a notice that tells the reader where the document comes from and what Pennsylvania law says about it. This is the wording, act by act.
68 Pa. C.S. 3407Condominiums
This resale certificate is furnished under section 3407 of the Pennsylvania Uniform Condominium Act, 68 Pa.C.S. 3407. The association must furnish the certificate to the unit owner within ten days after the unit owner requests it. Before executing any contract for the sale of the unit, or otherwise before conveyance, the unit owner must give the purchaser this certificate together with the declaration, other than the plats and plans, the bylaws, and the rules and regulations. A purchaser is not liable for any unpaid assessment or fee in an amount greater than the amount set forth in this certificate. The unit owner is not liable to the purchaser for erroneous information that the association provided and that is included in this certificate, or for the association's failure or delay in providing it. The purchase contract is voidable by the purchaser until the certificate has been provided and for five days after that, or until conveyance, whichever occurs first. The information in this certificate is current as of the issue date shown above.
68 Pa. C.S. 5407HOAs and planned communities
This resale certificate is furnished under section 5407 of the Pennsylvania Uniform Planned Community Act, 68 Pa.C.S. 5407. The association must furnish the certificate to the unit owner within ten days after the unit owner requests it. Before executing any contract for the sale of the unit, or otherwise before conveyance, the unit owner must give the purchaser this certificate together with the declaration, other than the plats and plans, the bylaws, and the rules and regulations. A purchaser is not liable for any unpaid assessment or fee in an amount greater than the amount set forth in this certificate. The unit owner is not liable to the purchaser for erroneous information that the association provided and that is included in this certificate, or for the association's failure or delay in providing it. The purchase contract is voidable by the purchaser until the certificate has been provided and for five days after that, or until conveyance, whichever occurs first. The information in this certificate is current as of the issue date shown above.
68 Pa. C.S. 4409Cooperatives
This resale certificate is furnished under section 4409 of the Pennsylvania Real Estate Cooperative Act, 68 Pa.C.S. 4409. The association must furnish the certificate to the proprietary lessee within ten days after the proprietary lessee requests it. Before executing any contract for the sale of the cooperative interest, or if there is no contract of sale, before the time of conveyance, the proprietary lessee must give the purchaser this certificate together with the declaration, other than the plats and plans, the bylaws, and the rules or regulations of the association, including all amendments to those documents through the date they are delivered to the purchaser. A purchaser is not liable for any unpaid assessment or fee in an amount greater than the amount set forth in this certificate. The proprietary lessee is not liable to the purchaser for erroneous information that the association provided and that is included in this certificate, or for the association's failure or delay in providing it. The purchase contract is voidable by the purchaser until the certificate has been provided and for five days after that, or until conveyance, whichever occurs first. The information in this certificate is current as of the issue date shown above.
Pennsylvania's payoff statement: the statement of unpaid assessments
On a unit owner's written request, the association must furnish a statement in recordable form setting forth the amount of unpaid assessments currently levied against the unit and any credits of surplus, within ten business days after receipt of the request; once furnished it is binding on the association, the executive board, and every unit owner (68 Pa.C.S. 3315(g); 5315(h)). The association may impose a reasonable charge for preparing the statement under 68 Pa.C.S. 3302(a)(12) and 5302(a)(12). Those sections also allow a capital improvement fee, but no other fees, on the resale or transfer of a unit.
About Demand LettersPennsylvania resale certificate: common questions
What is a Pennsylvania resale certificate?
It is what Pennsylvania law has the association provide when a home in condominiums, HOAs and planned communities, and cooperatives is sold: a statement of what the home owes and of the association's finances, insurance, and rules, under 68 Pa. C.S. 3407, 68 Pa. C.S. 5407, and 68 Pa. C.S. 4409.
How much does a Pennsylvania resale certificate cost?
Pennsylvania sets no dollar cap, so the association or its management company sets the fee.
How long does a Pennsylvania association have to provide a resale certificate?
10 days, counted from the request.
Is a resale certificate required in Pennsylvania?
Yes, for condominiums, HOAs and planned communities, and cooperatives, under 68 Pa. C.S. 3407, 68 Pa. C.S. 5407, and 68 Pa. C.S. 4409.
Can a buyer cancel after receiving a Pennsylvania resale certificate?
Yes. The buyer has 5 days after receiving it to cancel the purchase contract.
Who pays for the resale certificate in Pennsylvania?
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 Pennsylvania 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 68 Pa. C.S. 3407.
How do I get a resale certificate in Pennsylvania?
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 Pennsylvania association has 10 days. A buyer should ask the seller or the closing agent to order it.
Is this the same as a Pennsylvania 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 Pennsylvania compares with its neighbors
Management companies that work across state lines meet a different rule on each side. Pennsylvania: no fixed dollar cap, 10 days.
New Jersey
Resale Package
No fixed dollar cap
10 days
Not required by statute
New York
Resale Package
No fixed dollar cap
No statutory deadline
Not required by statute
Ohio
Resale Certificate
No fixed dollar cap
No statutory deadline
Not required by statute
Maryland
Resale Certificate
$250
20 days
Required by statute
Delaware
Resale Certificate
$200
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 Pennsylvania resale certificate could write itself.
The resale platform is free for the association. The requester pays for the document. No contract to sign.