HOA means Home Owners Association and Maintenance Fee is usually for condo fees. If the property is listed in a community where there is mandatory requirements to join a Home Owners Assoc. Then fees would be charged on a monthly, quarterly or yearly basis to cover the costs of maintaining the community grounds, pool, clubhouse and or etc. Maintenance fees in a condo complex cover the same. All of the public areas and recreational areas. These fees vary according to community and how much maintenance might be required for upkeep.