Glossary
What is an estoppel certificate?
A binding statement of what is owed on a home, furnished by the association before closing; in Florida, the statutory resale document for HOAs and condos.
Also called estoppel letter, HOA estoppel.
In Havn
Havn fills Florida's statutory form from the ledger, applies the fee cap and the deadline, and tracks the clock from the request.
HOA estoppel lettersAn estoppel certificate states the amounts owed on a home as of a date: the balance, the assessment and its due date, late charges, and any special assessment. Once furnished, the association is estopped, meaning barred, from claiming more against the buyer than it stated. That is what makes title companies insist on one.
Florida names the document in its condominium and homeowners' association statutes, prescribes what it must contain, caps the fee, sets a delivery deadline measured in business days, and waives the fee when the association is late. Other states require a similar payoff statement under other names.
The term also appears in commercial leasing, where a tenant's estoppel confirms the lease terms for a buyer or lender. In an HOA context it almost always means the association's payoff statement.
Common Questions
What is the estoppel fee in Florida?
The statute caps it and the cap is adjusted on a schedule. The current figure, the expedited surcharge, and the delinquency surcharge are on the Florida page and in the fee table, read from the rules Havn keeps.
Keep Reading
Guides
- HOA Transfer Fees: Who Pays and What They CoverThree different charges show up on a closing statement under the association's name.
Laws and Documents
- HOA estoppel lettersFlorida's estoppel certificate, with the statutory fee and the 10-day clock.
- Florida HOA lawsThe Florida statutes, who each covers, and the resale rule, in plain English.
- Florida Estoppel CertificateWhat the document is called, the fee cap, and the delivery deadline.
See how Havn handles it with your own community.
HOA management software with a homeowner portal owners actually use. Resale documents are included; the requester pays for each one.