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Selling a Hebron Home in an HOA: Documents, Dues and Fees
What buyers will ask for when you sell a home in a Hebron subdivision with a homeowners association, and how to gather it before you list.
Key takeaways
- Buyers and lenders will want the covenants, rules, current dues and any assessments.
- Request documents from the HOA or its management company before you list.
- Check the HOA’s rules on yard signs, open houses and lockboxes.
- Dues are prorated to closing, and some HOAs charge transfer or document fees.
- Condominium sellers must give the buyer the declaration, bylaws, rules and a current resale certificate from the association (KRS 381.9203).
Documents buyers ask for
- Covenants, conditions and restrictions (the deed restrictions), plus bylaws and rules.
- The current dues amount, how often they are billed, and what they cover.
- Any special assessments, approved or proposed.
- Recent budget and reserve information where the HOA provides it.
- Contact details for the HOA or management company for the closing.
At closing
| Item | How it is handled |
|---|---|
| Dues | Prorated between you and the buyer to the closing date |
| Unpaid balances | Paid from your proceeds |
| Transfer or document fees | Charged by some HOAs; who pays is set by the contract or the HOA |
| Special assessments | Who pays is negotiated, so disclose them early |
Rules that affect the sale
Some HOAs limit yard signs, open house signs or lockboxes. Your agent checks the rules before listing so marketing doesn’t break them. If the HOA must approve anything, such as an exterior change you made, make sure it is on file.
Questions sellers ask
What HOA documents do I need to sell my house?
Usually the covenants and restrictions, bylaws and rules, current dues and any special assessments, plus contact details for the HOA. Request them from the HOA or management company before listing.
Who pays HOA transfer fees?
It depends on the HOA and the purchase contract. Your agent will confirm the fees early and negotiate who pays.
From The Caldwell Group
Sell your Hebron home with a team that knows this market
HOA paperwork is easy to overlook until it delays a closing. Your agent requests the documents early, checks the rules on signs and showings, and makes sure dues, assessments and transfer fees are on the settlement statement.
The Caldwell Group | eXp Realty has closed 350 Hebron homes since 2005, 204 of them for sellers, and has helped more than 2,600 families across Northern Kentucky and Cincinnati. We price from real sales, market the home properly and handle every deadline through closing.
Derek and his team are the best. This transaction was a tough one, with many roadblocks to overcome, none of which were his fault. Thanks to his experience and expertise, he was able to guide us to the finish line, and we could not have done it without him.
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