The HOA fees should be stated as a lien against the property. They will have to be paid at closing in order to avoid having the HOA foreclose on you. As long as your purchase price exceeds the mortgage and the HOA fees, you will be fine. The payment should come out of the closing and would be paid by the seller, not you (though paid using your purchase money). Just make sure it is part of the closing documents and that the lien is removed.