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The goal is a purchase decision grounded in the full picture, not just the listing sheet."}],["$","$L7",null,{"experience":"risk_check","placement":"topic_after_intro","path":"/condo-buying-checklist","pageType":"national_topic"}],"$undefined",[["$","div","Understand what type of association you are buying into",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Understand what type of association you are buying into"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Not all associations are alike. A traditional condominium association — governed in most states by a condominium act statute — owns the building structure and carries the master insurance policy on it. A planned community HOA governs the common areas but typically leaves each owner responsible for their own structure. A townhome or stacked flat community may sit somewhere between the two, depending on how the declaration describes ownership boundaries. Before you read anything else, confirm what your state's governing statute calls this type of association, what the declaration says the association maintains versus what you maintain, and whether the association is part of a multi-tier structure (a sub-association within a master HOA is common in larger developments). Each structure carries different financial exposure, different insurance logic, and different governance rules."}]]}],["$","div","The document package every buyer should request",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"The document package every buyer should request"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Start with the governing documents: the declaration (or CC&Rs), bylaws, and rules and regulations. These establish your rights, obligations, and what the board can require of you. Add to that the current annual budget, the most recent year-end financial statements or audit, the reserve study (if one exists), the past two to three years of board and membership meeting minutes, the current insurance summary or declarations page, and any resale certificate or disclosure statement required by your state. In Florida, Chapter 718 requires the seller to provide this package and gives buyers a review period. Texas's Chapter 82 specifies a similar package but with a shorter review window. Whatever your state's statutory baseline, treat it as a floor — request everything on this list even if the statute only requires a subset of it."}]]}],["$","div","Reading the financials: what to look for",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reading the financials: what to look for"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"The budget and reserve study tell you whether the association is living within its means or deferring costs to future owners. First, compare the reserve study's funded obligation to the current reserve account balance. The ratio — often called the funded percentage — tells you whether the association has set aside what it estimates it will need. Below 30 percent funded is generally considered a warning sign; below 10 percent is severe. Second, look at the operating budget's reserve contribution line and compare it to the reserve study's recommended annual contribution. If the association is collecting less than the study recommends, the gap is widening. Third, look at the insurance line item trend across three to five years of budgets. Rising insurance premiums flow directly into monthly dues and can precipitate special assessments. None of these numbers exists in isolation — read them as a system."}]]}],["$","div","Meeting minutes: what the board knows",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Meeting minutes: what the board knows"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Board meeting minutes are the most underread document in a condo purchase, and often the most revealing. They record what the board has been told, what it has decided, and what it has deferred. Request at least two years of minutes — more if a major repair project or special assessment appears to be in progress. Read for recurring agenda items that never get resolved, contractor bids or engineering reports that were received but not acted on, discussion of reserve shortfalls, insurance premium increases, and any legal disputes involving the association. A board that has been informed of a structural issue, a deferred repair, or a reserve gap — and has not acted — has created the paper trail for a probable special assessment. That trail is in the minutes."}]]}],["$","div","Timing, lenders, and your review window",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Timing, lenders, and your review window"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"Your contract's review period is the window in which you can walk away based on the documents. Many states give buyers three to fifteen business days after receiving the association's disclosure package to cancel without penalty. Do not let that window close before you have read the documents. Also note that lenders — particularly those originating conventional loans sold to Fannie Mae or Freddie Mac — have their own condo approval criteria that run parallel to your due diligence. A building with a very low reserve funded percentage, a recent problematic structural inspection, or significant deferred litigation may not meet lender guidelines, limiting your financing options and your future buyer pool. Confirm your lender's project approval process early and factor it into your timeline alongside your own document review."}]]}]],["$","$L8",null,{}],["$","div",null,{"className":"mt-12 rounded-lg border border-signal/50 bg-signal/5 p-6","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Reviewer's checklist"}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-graphite","children":[["$","li","Confirm the association type (condo, HOA, planned community) and which governing statute applies in your state",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Confirm the association type (condo, HOA, planned community) and which governing statute applies in your state"}]]}],["$","li","Request the declaration, bylaws, and rules and regulations",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Request the declaration, bylaws, and rules and regulations"}]]}],["$","li","Obtain the current annual budget and most recent year-end financial statements or audit",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Obtain the current annual budget and most recent year-end financial statements or audit"}]]}],["$","li","Request the most recent reserve study and the current reserve account balance",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Request the most recent reserve study and the current reserve account balance"}]]}],["$","li","Calculate or ask about the reserve funded percentage (reserve balance divided by total reserve obligation)",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Calculate or ask about the reserve funded percentage (reserve balance divided by total reserve obligation)"}]]}],["$","li","Request at least two years of board and membership meeting minutes",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Request at least two years of board and membership meeting minutes"}]]}],["$","li","Obtain the current master insurance declarations page and note the policy form and major deductibles",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Obtain the current master insurance declarations page and note the policy form and major deductibles"}]]}],["$","li","Request any resale certificate, estoppel, or statutory disclosure required by your state",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Request any resale certificate, estoppel, or statutory disclosure required by your state"}]]}],["$","li","Identify all pending and recently levied special assessments",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Identify all pending and recently levied special assessments"}]]}],["$","li","Review the insurance cost trend across the past three to five years of budgets",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Review the insurance cost trend across the past three to five years of budgets"}]]}],["$","li","Confirm your lender's condo project approval requirements before your review window closes",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Confirm your lender's condo project approval requirements before your review window closes"}]]}],["$","li","Verify rental restrictions, pet policies, and parking allocations match your intended use",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal"}],["$","span",null,{"children":"Verify rental restrictions, pet policies, and parking allocations match your intended use"}]]}]]}],["$","div",null,{"className":"mt-6 border-t border-ink/10 pt-5","children":[["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":"Want this same review on your actual documents? We do it free, with page citations you can verify."}],["$","a",null,{"href":"/start","className":"mt-3 inline-flex items-center gap-1 text-sm font-semibold text-signal hover:underline","children":["Get my free risk report"," →"]}]]}]]}],["$","p",null,{"className":"mt-6 text-sm leading-relaxed text-graphite","children":["Want a checklist tuned to your state?"," ",["$","$L3",null,{"href":"/checklists","className":"font-medium text-signal hover:underline","children":"Browse condo due-diligence checklists by state →"}]]}],["$","div",null,{"className":"my-stack-8","children":["$","div",null,{"className":"grid gap-5 md:grid-cols-2 md:gap-6","children":[["$","$L5","risk_intel",{"audience":"buyer","path":"/condo-buying-checklist","surface":"mid","variant":"large"}],["$","$L6","expert_match",{"classification":"$9","path":"/condo-buying-checklist","pageTitle":"Condo Buying Checklist","surface":"mid","variant":"large","dynamicOverride":"$undefined"}]]}]}],"$undefined"]}]}],["$","section",null,{"className":"bg-paper py-section","children":["$","div",null,{"className":"container-narrow","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"Related reading"}],["$","h2",null,{"className":"mt-3 text-2xl font-semibold text-ink","children":["Buyer and owner guides on ","condo buying checklist"]}],["$","div",null,{"className":"mt-6 grid gap-3 md:grid-cols-2","children":[["$","$L3","florida-sirs-explained",{"href":"/articles/florida-sirs-explained","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Florida SIRS Explained: What Boards Must Fund and Disclose"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"The Structural Integrity Reserve Study is now mandatory for most Florida condo buildings. Understand what a SIRS must include, how it affects reserve funding requirements, and what boards must disclose to owners."}]]}],["$","$L3","texas-resale-certificate-what-to-check",{"href":"/articles/texas-resale-certificate-what-to-check","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Texas HOA Resale Certificate: What to Verify Before Closing"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"Section 207.003 of the Texas Property Code defines what a resale certificate must contain. 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Learn how to map who governs what, which fees apply to your unit, and which restrictions run with the land."}]]}],["$","$L3","milestone-inspection-condo-buyer-guide",{"href":"/articles/milestone-inspection-condo-buyer-guide","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Milestone Inspection Buyer Guide: Reading the Report Before You Close"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"Understand what a Florida Milestone Inspection report discloses, what follow-up questions to ask the engineer, and how to evaluate the special assessment risk the findings imply."}]]}]]}]]}]}],["$","section",null,{"className":"bg-white py-section","children":["$","div",null,{"className":"container-narrow","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"Related risk areas"}],["$","h2",null,{"className":"mt-3 text-2xl font-semibold text-ink","children":"Read these next to round out your due diligence"}],["$","div",null,{"className":"mt-6 grid gap-3 md:grid-cols-2","children":[["$","$L3","condo-document-review",{"href":"/condo-document-review","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Condo document review"}],["$","p",null,{"className":"mt-2 text-sm text-graphite","children":["A condo document review is the structured analysis of every disclosure document your seller or association has provided — declaration, bylaws, rules, reserve study, budgets, financials, meeting minutes, insurance summary, estoppel or resale certificate, and any pending special assessment notices","."]}]]}],["$","$L3","reserve-studies",{"href":"/reserve-studies","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Reserve studies"}],["$","p",null,{"className":"mt-2 text-sm text-graphite","children":["A reserve study tells you what the association expects to spend on long-term capital repairs and replacements, and whether it is funding those obligations adequately","."]}]]}],["$","$L3","condo-financing-requirements",{"href":"/condo-financing-requirements","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Condo Financing Requirements"}],["$","p",null,{"className":"mt-2 text-sm text-graphite","children":["Getting a mortgage on a condominium is not the same as financing a single-family home","."]}]]}]]}]]}]}],["$","section",null,{"className":"bg-paper py-section","children":["$","div",null,{"className":"container-narrow","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"By state"}],["$","h2",null,{"className":"mt-3 text-2xl font-semibold text-ink","children":["Condo Buying Checklist"," — state-specific guidance"]}],["$","p",null,{"className":"mt-3 text-sm text-graphite","children":"The general framework on this page applies nationally. 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