I'm selling a house and being asked to pay for HOA resale package and HOA demand package. What are these things?

Asked by mike, Las Vegas, NV Wed Dec 11, 2013

When I ask the escrow officer what they are, I just get "it is required and must be paid for." If I can't get a real answer, it pings my BS meter.

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Brock Lee’s answer
Brock Lee, , New York, NY
Mon Feb 3, 2014
A few months ago my husband and I sold our home in Colorado and it was a bit difficult getting the HOA documents needed for our buyer. A family friend referred us to http://www.associationonline.com. They were a huge help in making sure we had all the right documents and the information met the state disclosure requirements. I was able to get the whole package together easily by the contract deadline. I don’t think the process could get much easier than the software and service provided by Association Online. You should visit their website or call (970)-226-1324. They’re a great help for homeowners nationwide.
0 votes
Sorry to hear it was difficult to get the HOA docs in your previous deal. In Las Vegas it is quite simple to obtain these docs. They simply need to be paid for and ordered.
Flag Mon Feb 3, 2014
Robert Adams, Agent, Henderson, NV
Fri Jan 3, 2014
As others have stated below this is required by law for all homes sold within communities that have an HOA. The HOA resale package will provide all of the documentation the buyer will need in order to have full disclosure of the HOA's rules and regulations as well as the HOA's financial standing/budget etc. This is very important to a buyer because it can affect what the buyer can do with the property as well as disclose if the HOA is in financial trouble. (For example if the community has rental restrictions, an investor looking to buy and hold as a rental property would not want to buy that home as they would not be allowed to put a tenant in the property. As another example, when the market crashed some HOA's we having financial troubles due to the amount of vacant properties or default property owner's that were no longer making their HOA payments. If owners are not making their HOA payment the HOA's revenue does not support the necessary expenses like maintenance, exterior repairs on condos, etc)

Secondly, the HOA demand is required also in order for the title/escrow company to make sure the HOA is paid for any assessments, dues, and/or fees prior to you selling the property. This is to ensure that the buyer is buying the property with a clean slate and will not be responsible for anything owed to the HOA while the previous owner owned the home.

I hope this is helpful and would be glad to help should you need any further assistance.

I look forward to hearing from you!

Best Regards,
Robert Adams
The Adams Team at
Rothwell Gornt Companies

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3 votes
This is crazy. Why does the seller have to pay for this information. The HOA has all that information on file and would send out to the buyers lender at closing. Just another way of making money. $240.00 are you kidding me.
Flag Thu Jul 13, 2017
if we're selling my home and the neighbor below me wrote a noise complaint against us (which is baseless but I won't get into it here), can the HOA refuse to transfer papers to the new buyer of my home until this is settled? The HOA did tell us that this is considered a "neighbor-to-neighbor" dispute.
Flag Tue Nov 15, 2016
Drew Powell, Home Seller, Philadelphia, PA
Thu Aug 13, 2015
Just got hit with this unexpected demand for a check from our selling realtor in PA now that our house is under contract for sale. I read the responses below, thank you all for the explanation. but I agree 100% with the frustration and outrage. HOA's are evil as it is. But even if this is a cost to the seller, why is it special? why is it not just included in the closing costs and handled by the Title Company? Why do we need to write this one special check while we are busy sweating the outcome of inspections and the stress of trying to close both the sale of this and the purchase of our next house, as well as lining up movers and worrying about transporting our pets all the way to FL?

2 votes
Bo Goulet, b…, Agent, Spring Valley Lake, CA
Tue Feb 7, 2017
Ultimately, it is the seller's responsibility to disclose the rules and financial condition of the association (HOA). The purchase contract usually specifies who pays for the HOA package. If it doesn't the buyer and seller must come to an agreement for payment before the transaction moves forward since the HOA usually requires payment in advance.
1 vote
I understand the need to make sure buyer is protected but that is what the resale certificate is for. I don't understand the $350 paid for the Resale Certificate then an additional $250 for "working capital contribution" PLUS $200 for a "transfer fee"!! $800- Poof -gone!
If the idea is to protect the buyer, then the money should be refundable to seller after a set timeframe to determine that they are no outstanding issues left by seller. I agree with legislation to control this!!
Flag Tue Apr 25, 2017
Andy Maierho…, Agent, Centennial, CO
Thu Jan 28, 2016
This fee is exorbitant and unjustified. Legislation against or limiting the fee is in the works.
1 vote
Hello Andy,

the legislation you mentioned is that just in CO or a nation wide thing? I am interested in looking that up.
Flag Tue Jun 6, 2017
We had to pay $250 plus a $12 "Convenience Fee" for the resale packet. What a joke. On top of that we had to pay $135 so that they could verify that we didn't have any outstanding fees.
Flag Tue Mar 7, 2017
I so agree. I told our management company today they could hire me and I'd do it for $15.00 and use my own paper I was so irritated.
Flag Mon Mar 28, 2016
Johnny Colino, Agent, Campbell, CA
Sat Jun 27, 2015
Really late answer, but perhaps this can help someone else. Without providing the HOA package, a buyer could buy your property and then realize that they can't have purple drapes. Since this is a material fact of the property (restriction on drape color), they can sue you and you didn't protect yourself by disclosing this restriction on the property.

That's hyperbole, but that's the basics. In reality, the HOA docs provide a significant amount of protection against the buyer deciding to sue you because the HOA runs out of money (financial docs are included), they didn't know about the pool being unusable (meeting minutes/complaints are included) and any other restrictions they need to be made aware of (CC&Rs).

The copy of the HOA docs you got when you purchased the property will not have the most recent minutes and financial information required. I cannot comment on why these docs cost what they do. :-)

It's unfortunate that you got such an uninformative answer from your escrow officer.
1 vote
I understand that the buyer needs the current information. My problem is why charge the seller $240.00 plus fee to get a HOA letter that can be obtained from the sellers HOA for free or smaller amount.
Flag Thu Jul 13, 2017
this info (a stinkin' deed restriction document) can EASILY be stored on the HOA's or property manager's website -- so that ALL owners may easily access for reference 24/7.

also, most homeowners have an account where they can print off the status 24/7

the fees by companies like First Residential Mortgage Services are outright thievery by executives with zero ethics................................and a stinkin', worthless lawyer to defend them on this board....
Flag Wed Jun 14, 2017
Why can't I request a most-current copy from my association, and then request a copy of their financials (which they send to me each year already). Both of these documents are free...
Flag Tue Jan 3, 2017
What if the HOA docs are all available online and able to be provided by the Homeowner? I have access to my statement and all of the meeting minutes, CC&Rs and other community documents.
Flag Tue Jun 21, 2016
deeta26, Home Seller, Akron, OH
Thu Apr 23, 2015
I'm coming into this a little late, but i agree that this is a total scam. I was told by my HOA property management company that if i didnt pay for this resale demand package my condo wouldnt transfer properly. I told them that i already had a copy of the CCR's, rules and regs, condo decs, etc. and homewisedocs.com told me I had to pay for the entire bundled package. Even if i didnt have the documents, the management company should have been able to produce a copy for a max amount of $5, not $40 to $30 per document that they charged me. The resale demand tells the title co. what sort of dues you owe, etc. This could also have been accomplished by a simple printout from the HOA management co. So I pay $230 for all of this information that i didnt need and on top of that the resale demand now says that i need to pay my HOA management co. $75 for the service that i didnt need. I dont understand how this is legal
1 vote
My HOA (I'm finding out) has 2-$245 packages....one for "Master" and one for "Neighborhood" scam indeed :(
Flag Wed Jun 8, 2016
Robert Adams, Agent, Henderson, NV
Tue Mar 4, 2014
Hopefully Mike got is answer by now. This post was from 4 months ago.
1 vote
Renee Burrows, Agent, Las Vegas, NV
Mon Dec 23, 2013
It is actually required by law and if you review the listing agreement you signed (if it is the most current GLVAR listing agreement,) on page 2 #11 line 109 it states:

"If the property is located within a CIC, Seller acknowledges and agrees to obtain (at Seller's own expense) and/or provide the information required by NRS 116.4109 and 116.41095 to broker for delivery to buyer."

Sounds like a lot of blah blah blah but a CIC=HOA and the NRS mentioned are the laws pertinent to the seller's obligation to pay for the HOA demand and resale package.

I am sorry that was not explained to you at the time that your listing agreement was signed. You can read a blog post I have written about it in the past in my web reference below:
1 vote
Great answer
Flag Mon Jan 27, 2014
Leenieroa, Home Buyer, Las Vegas, NV
Wed Sep 20, 2017
I'm an assistant for a real estate agent. The HOA package is all the information about the property's HOA and the demand is what dues the buyer would owe upon settlement (this is my understanding!). These are required -that the seller buy & provide them to the buyer - do after the contract is ratified and after the appraisal goes through!
0 votes
Dinnac, Home Buyer, Las Vegas, NV
Tue Sep 12, 2017
I understand all of these concerns. My issue is the fact that I told me Realtor I don't have any money which is why I was going to have the house go into foreclosure. He got the house under contract but now I get hit with this HOA demand package. But because there are two HOAs I now have another bill. If the payment of this is required why is it not handled through escrow once you're under contract?
0 votes
Hwardranch, Home Buyer, Las Vegas, NV
Sat Apr 15, 2017
ARS-33-1807: The association has a lien for fees, charges, late charges, other than charges for late payment of assessments, monetary penalties or interest charged pursuant to section 33-1803 "AFTER THE ENTRY OF JUDGEMENT IN A CIVIL SUIT FOR THOSE FEES, CHARGES, LATE CHARGES, MONETARY PENALITTES OR INTEREST FROM A COURT OF COMPETENT JURISDICTION AND RECORDING OF THAT JUDGEMENT IN THE OFFICE OF THE COUNTY RECORDER AS OTERWISE PROVIDED BY LAW".
0 votes
Ntsaa92913, Home Buyer, Las Vegas, NV
Thu Apr 13, 2017
I think a lot of you sellers are missing the fact that if you pay this ridiculous price (I am forking out $500.00 myself to my hoa in CA) to your hoa, you make the hoa liable for the paperwork THEY distribute. It will be hard for the buyer to turn around and sue you the seller if the paperwork is not kosher since it didn't come from you the seller. All you did was pay for it.
0 votes
Jammie.tam, Home Buyer, Freehold, NJ
Mon Oct 17, 2016
My business partners needed GAR F33 earlier this week and were informed about an excellent service with lots of form templates . If you want GAR F33 too , here's "http://pdf.ac/9gNk56"
0 votes
Mccallanwayk…, Home Buyer, Orem, UT
Mon Jul 18, 2016
As a former Realtor, and HOA President I am sorry but Property Managers are just getting Lazy. They collect fees, but when it comes time for them to do their job they outsource it for a kickback and charge more than your monthly assessment to get a payoff statement on your property. This is Robbery and this is a practice that I am not happy with. I am now working in Title and I hate telling people who are selling their home, Hey your HOA requires me to order all this Bull Crap and oh by the way they want you to pay for it up front. The fee can range anywhere from $25.00 -$400 in some cases. The only way to fight this is to fire those property managers that are outsourcing their job for a kickback. This is their job and they should be doing it. So if you are in the market place to hire and HOA Property Management Company this should be one of the questions the HOA board should ask.. Do you charge our Homeowners for a payoff statement when they move. If they say yes and that the use Homewise Documents, Condo Certs or any other third party... MOVE ALONG and find a Property Manager that does not do that.
0 votes
Hope people read this before buying. That would have helped me. Thanks.
Flag Thu Jul 13, 2017
I just paid my HOA $1200.00 for the packet. She said she charges $150.00 per document.
Its sad because I am at the mercy of the HOA and still waiting on the article of Incorporation.
Its delayed my sale for at least 2 more weeks.
Flag Tue Mar 28, 2017
if we're selling my home and the neighbor below me wrote a noise complaint against us (which is baseless but I won't get into it here), can the HOA refuse to transfer papers to the new buyer of my home until this is settled? The HOA did tell us that this is considered a "neighbor-to-neighbor" dispute.
Flag Tue Nov 15, 2016
Bewise, Home Buyer, Las Vegas, NV
Wed Jun 22, 2016
It is so much of a bureaucracy of a democratic country! What a run around. I am not sure if there is any other way because I tried everything before paying for it and it was a waste of time and money.

This package only explains budget, paid and unpaid dues, whats new and how much it will cost and finally if you paid your dues or not. LOL.

Click of a button they will send this details to your closing office and make between 200 to 1000! I am looking for information how to start a homewisedocs type of website and make some money!
0 votes
sdrc2, Home Buyer, San Jose, CA
Sat Aug 23, 2014
Reading the answers below, this fee seems to be nothing more than something fabricated by lawyers so they can charge a rather large fee for doing nothing. All of the content provided should be easily available at no cost to anyone within the association. There is no justification for such an exorbitant cost for simply printing out documents. No value is being provided here.
0 votes
Joan Kwasibo…, Home Buyer, Owings Mills, MD
Fri Apr 4, 2014
After confusing messages between the seller"s and buyer's realtors and the title company person, I obtained a clear explanation from the person at my condo association management company, who deals with homewisedocs (the provider of these documents being discussed here).
Also, a person from homewise responded to my inquiry, and explained that the reason I did not see an option to order/purchase the Resale Demand on my account page on homewise, is because only someone from the title company (or someone like them, i.e., attorney, or other person with a company with a need to obtain this info) has the option (after they have registered) to order/purchase a Resale Demand. In other words, I as the seller, do not have access to do that.
Hi Joan,

I know the sale of property is a confusing process for many people, and I am sorry you are frustrated with the process to obtain the documentation needed for the sale of your property.

We use Homewise to help simplify the process as there are different forms needed by different organizations for the sale of your home. The resale package needs to be given to the new owner so that they have all of the rules, regulations, etc. that govern the property they are purchasing. It also tells them if there are any architectural violations on the property, if the association is involved in any litigation, etc. If you paid $300 for your package, you ordered the full package that contains the association documents. If you had the documents, you could have purchased the $175 package that doesn't contain the association documents.

The information the title company needs to prepare the HUD-1 for the sale of your property is different from the resale package. They need to order the resale demand from Homewise to obtain the settlement information they need. The cost of the resale demand is $75. In order to protect financial information regarding the seller, this option is limited as to who can order it. Most of the title companies order this themselves - it sounds like the title company you are using put that responsibility on the seller.

There is also a $75 transfer fee that is collected at settlement to cover the costs associated with setting up a new owner in the association's records. This is not to be confused with the $75 for the resale demand needed by the title company.

If you have any questions, please let me know.
0 votes
Yes it's bull..never again will I live in a place with an HOA or management company...RIP OFF..... to copy a few papers for $125.00 that should be included in our condo fees we pay in case anyone sells.....PEOPLE THANK if you are considering an HO when purchasing. NO PRIVACY, NOSEY NEIGHBORS , RULES THAT SOME ARE RIDICULOUS, ASSOCIATION BOARDS ARE NITEMARES ON ELM STREET! EGOTISTICAL PEOPLE WHO HVE NO RESPECT FOR OTHER OWNERS BUT THEMSELVES.
Flag Wed Sep 30, 2015
" If you have any questions, please let me know." was part of the response sent to me; it is not an invitation from me to the readers here.
Flag Fri Apr 4, 2014
AL McCaw (Lo…, Agent, Las Vegas, NV
Tue Mar 18, 2014
This is a typical seller expense. Costs are $125 for the HOA Demand and $160 for the Resale Package (on average).
0 votes
The Management Trust charged me $460 for this report and they are the worst management company in the country bar none.
Flag Fri Oct 2, 2015
John Repoza, Agent, Westerly, RI
Mon Mar 3, 2014
This is the paperwork that comes from your association either condo or homeowners . If you contact the person in charge of the association which is usually a management company they will know what this is and provide with the package which is required for closing.
0 votes
Damon Bottic…, Agent, Las Vegas, NV
Sun Mar 2, 2014
In very simple terms the resale package is a package of documents related to the homeowner's association that a seller is required by law to provide to the buyer. Consider the demand statement like a bill or invoice. Both are required and both are paid for by the seller and they can cost a few hundred dollars for each HOA. If you don't like it (and you shouldn't) I suggest you voice your concerns to your hoa and management company.
0 votes
What happens when you pay 460. For resale package that's good for 30 days and the same day the buyers receive it use Hoa to get out of contract even if it's really another reason . Now I can't use this package for someone else cause their name is on it and I have to pay more money to get an updated package
Flag Wed Oct 19, 2016
Alex Adabashi, Agent, Las Vegas, NV
Fri Dec 13, 2013
Hi Mike,

Nevada Law requires sellers to provide the HOA resale package to the buyer which includes the current budget, rules and regulations, CC&Rs etc. so the buyer may review them before closing on the purchase transaction. Additionally the HOA demand is a statement that is provided to the title/escrow company to make any necessary payoffs and prorate the dues at the time of closing. Both of these items are common and customary in the sale of residential property in Nevada.

- Alex Adabashi
0 votes
Thanks for cutting to facts, the Gov. has stepped in due to the REO past melt down & due to past HOA abuse. It's now a seller responsibility to hold their HOA accountable for being fair in demands for information. Welcome to the new now.
Flag Tue Nov 24, 2015
Beverly Bart…, Agent, Henderson, NV
Wed Dec 11, 2013
Hi Mike,

Wow! Sorry for the abrupt and incomplete explaination of your escrow officer. Your agent should also be able to answer that question for you. Anyway I noticed Myra akready answered your question. Good luck with your purchase.

HOA is your Home Owner Association
0 votes
Myra Gouger, Agent, Las Vegas, NV
Wed Dec 11, 2013
The HOA package consists of approximately 12 documents from your HOA - these include the Budget, Rules & Regulations, CC&R's (Covenants, Conditions, and Restrictions of the Association), Litigation, Architectural, and other items. As a seller, you have to purchase these items for the transaction to happen. The new buyer cannot close without them as it is a state law in Nevada that they have to receive current and up to date HOA documents.

The HOA demands is a package of documents for the title company which researches all outstanding payments, penalties and liens that might be against the property by the HOA. These liens/back dues and penalties have to be paid by the seller in order to close the home.

All HOAs charge different fees. Usually the HOA package is $375 and the Demands are $150. This, though, can vary from HOA to HOA.
0 votes
Dear Colorado HOA Forum, I have always agreed that the cost of labor has been reduced by the use of technology and yet the fees have not reduced. However, I was told by one management company that the main cost is the attorney's letter stating whether or not there is litigation/pending lawsuits in the community.
Flag Thu Dec 12, 2013
this is a total ripoff, it must cost all of $15 in labor and materials to produce this information, if it doesn't the property manager should be fired, this is all in a data base and produced via form letters, this only relates to actions and indebtedness to the hoa from the seller, this is not brain surgery but routine and expected work, property management companies produce reports on delinquent dues, status of liens and other debt by homeowners each month, much of this can be obtained via the HOA web site and the cost of 10 cents per page, this is a cash cow for the property managers, we in Colorado via the Colorado HOA Forum http://www.coloradohoaforum.com are attempting to end this practice or limit the cost to no more than $50
Flag Wed Dec 11, 2013
Rena Levy, Agent, Las Vegas, NV
Wed Dec 11, 2013
Hi Mike

I am assuming that you are selling your house as a fir sale by owner and that's why you are not aware of NRS (Nevada Revised Statue) 645 and 116.

As a seller in the state of Nevada, you are required to provide buyers with all information for the HOA including the Cc&Rs, By laws, financials, minutes, litigation information, reserve and few more items. Its referred to as " HOA RESALE PACKAGE ".

The timeline is within 10 days from acceptance. Than buyer has five days to approve or disapprove such information.

The HOA demand, is needed by escrow company to calculate the fees such as transfer fees, monthly fees and any other fees or assessment.

If you have any other question, contact me. Good luck and if you need to purchase a property, I will be happy to help!

Rena Levy
Global broker/Associate
Realty Executives Of Nevada
702-992-7754 Direct
702-940-4500 Office
Web Reference:  http://www.cvegashomes.com
0 votes
Hank Lauzon, Agent, Las Vegas, NV
Wed Dec 11, 2013
Hello Mike,

The Seller of the home is responsible to provide... to the buyer,..... the most recent updates made the your HOA.
This will include Bylaws, budgeting, Regulations Etc for that particular association.

If there is a Master Plan that you pay... that will need to be supplied as well.

The demand is an up to date record of HOA Dues Paid or overdue and is important information for the Title company to set up closing.

I'm sorry to hear that this has taken you by suprise...
Your Realtor should have mentioned this to you before you signed the contract.

The good news is.... If you don't have to rush it,.... it is not that expensve,... In many cases...it is under $200 for the resale package.....

Congratulations on Your Sale....

Happy Holidays,
Hank Lauzon III
Signature Real Estate Group
9525 Hillwood Drive #120
Las Vegas, NV 89134

Cell 702-449-0899
Office 702-949-2409
Fax 702-543-6844

Web : http://HanksLVRealestate.com
Email: HankLVRealestate@aol.com
Facebook: http://www.Facebook.com/HanksLasVegasRealEstate

Never look down on anybody...unless you're helping them up.
0 votes
Andrew Lunsf…, Agent, Las Vegas, NV
Wed Dec 11, 2013
Yes, Joseph is correct. It's a tough pill to swallow sometimes when you have 3. I've had one home that had to pay almost $1,000.00 in HOA resale packages. One master asso and 2 sub-associations.
0 votes
Also if you have an HOA lien, this lien MUST be satisfied by Escrow prior to transfer of title by the escrow/title company.
Flag Wed Dec 11, 2013
Jeff & Kelly…, Agent, Las Vegas, NV
Wed Dec 11, 2013
The HOA resale package is a package that contains all the rules, restrictions and finances of the Home Owners Association. The Demand is a break down of the accounting on the property that escrow needs in order to prorate the fees.
0 votes
Diann Tonnes…, Agent, Las Vegas, NV
Wed Dec 11, 2013
Nevada law states that the seller of a home MUST provide a complete HOA package for the new buyer. That includes the bylaws, financials, minutes of the most recent meetings, CC&Rs, etc. The HOA demand is the payoff balance of any outstanding dues or liens. All of these items and files cost money to maintain, and the fees paid by the seller go towards those costs.

The escrow officer didn't give you a very good answer, but truly, it is required (by law) of every seller that lives in a community with an HOA. Later on down the road, if you buy a home in an HOA (in the state of Nevada), the seller will be required to provide the same paperwork to you.

Hope that helps!

Diann Tonnesen
Prudential Americana Group Realtors

The Tonnesen Team - with over 30 years of experience helping families call Las Vegas "home!"
0 votes
Dolly 702 59…, Agent, las vegas, NV
Wed Dec 11, 2013
The resale package has nothing to do with escrow. Your listing agent should of informed you at the time your listing was taken, that this is required for you to provide to the buyer. The Resale package is provided by your home owner association which includes the CCR, Bylaws, Financials among other things regarding your home owner association. The HOA demand is a separate cost and is the final billing statement from your homeowner's association that is required by escrow to close on your property.

Best of Luck, and Happy Holidays,

Dolly & Margie
0 votes
Joseph Rados…, Agent, Las Vegas, NV
Wed Dec 11, 2013
100% it is mandatory. By law as a seller you must provide to any buyer the rules,regs,bylaws,budgets,etc,etc for hoa and that is what this package is including. As well the Demand is to get HOA to send a breakdown of what might be owed or if $0 balance to be able to switch house into new buyers name for future.
0 votes
This has just got way out of hand.! I know it is probably something that needs to be done, but it does not have to cost so much! $510.00 for a few pieces of paper. This is all done on computer. Just a press of a button and a few key strokes. Wake up America! We are all being taken for a ride!
Flag Wed Sep 23, 2015
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