New Hampshire guide
New Hampshire condo document review
New Hampshire condo document review is governed by the New Hampshire Condominium Act (RSA 356-B), modernized by HB 353 (Chapter 311) in 2016 and again by 2024–2025 amendments. Unlike states with no resale-disclosure regime, New Hampshire gives a resale buyer a real statutory packet: under RSA 356-B:58, before the contract date, the buyer may demand from the association a statement of unpaid assessments, anticipated two-year capital and major-maintenance expenditures, reserve-fund status and amount, last-fiscal-year financials, pending litigation in which the association is a defendant, insurance coverage, the governing documents, and three years of special-assessment history — furnished within 10 days of written request.
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What the packet does not give you is a rescission right: once under contract, your only protection is the contract's contingencies, because the 5-day cancellation right applies only to developer sales (RSA 356-B:52). The highest-value items beyond the packet are whether any reserve study exists (none is required), the super-lien perfection and delinquency picture (RSA 356-B:46), structural and snow-load records, and litigation the association has brought, since the packet discloses only litigation in which it is a defendant.
Confirm condo versus HOA first
New Hampshire comprehensively regulates condominiums under RSA 356-B but has no dedicated HOA statute. A condominium gets the RSA 356-B:58 resale packet, open-meeting rights, budget ratification, and the super-lien; a non-condo planned-community HOA gets none of these and runs on its declaration and bylaws plus RSA 292. Confirm from the declaration which regime governs before relying on any particular protection — the difference in buyer rights is large.
Demand the RSA 356-B:58 resale packet
On any resale by someone other than the declarant, the buyer may demand the statutory packet before the contract date, and the association's principal officer must furnish it within 10 days of written request. It covers unpaid assessments on the unit, two-year anticipated capital and major-maintenance expenditures, reserve-fund status and amount, the association's last-year income statement and balance sheet, pending litigation in which the association is a defendant, insurance coverage, the declaration, bylaws and formal rules, and monthly or annual fees plus three years of special-assessment history. Build the request into the contract timeline so the 10-day clock runs before contingencies expire.
There is no resale rescission
New Hampshire's only statutory cancellation right is the 5-day rescission on developer sales after delivery of the public offering statement (RSA 356-B:52), and that right cannot be waived. On an ordinary resale there is no statutory right to cancel — once under contract, the buyer's remedy is contractual, not statutory. Negotiate document-review and inspection contingencies into the purchase agreement, because the resale packet alone gives you no exit.
Read reserves, the super-lien, and structural records
Because RSA 356-B requires no reserve study or funding minimum, read the disclosed reserve status and the basis for its figures (RSA 356-B:40-c) directly against the building's age, roof, envelope, and snow-load exposure. Check the delinquency ledger against the fragile RSA 356-B:46 super-lien, which is only 6 months, regular-assessment-only, and lost if the notice procedure is not followed. Request structural, roof, snow-load, and garage reports — especially on mill conversions, flat roofs, and Lakes or White Mountains stock — and ask separately about litigation the association has brought, which the packet does not disclose.
New Hampshire legal references
- RSA 356-B — New Hampshire Condominium Act (Table of Contents)
- RSA 356-B:58 — Resale by Purchaser; disclosure packet; 10-day delivery
- RSA 356-B:52 — Public Offering Statement; 5-day developer rescission
- RSA 356-B:40-c — Adoption of Budgets; reserve disclosure
Informational only. Not legal advice. Always confirm against current statute and counsel.
Need help applying these New Hampshire statutes to your specific situation? We can connect you with state-licensed counsel and specialists familiar with this exact regulatory environment.
Find a New Hampshire specialist →Reviewer's checklist
- Confirm the property is a condominium (RSA 356-B) or a non-condo HOA (RSA 292)
- Demand the RSA 356-B:58 resale packet in writing (furnished within 10 days)
- Build document-review and inspection contingencies into the contract (no resale rescission)
- Review reserve-fund status and the disclosed basis for reserve figures (RSA 356-B:40-c)
- Request any reserve study, recognizing none is required in New Hampshire
- Review the three-year special-assessment history and any pending special
- Read the master insurance statement against the RSA 356-B:43 full-replacement floor
- Check the delinquency ledger against the fragile RSA 356-B:46 super-lien
- Request structural, roof, snow-load, and garage reports (mill conversions, flat roofs)
- On the Seacoast, confirm FEMA flood-zone status and flood coverage
- Ask separately about litigation the association has brought (packet discloses defendant-only)
- Request multiple years of board and owner meeting minutes
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We read the reserve study, operating budget, and 24 months of meeting minutes together — new hampshire condo document review risk usually lives in the contradiction between documents, not in any single one of them. Every finding cites the source document, the page number, and the quoted text behind it.
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Review the documents before your contingency ends
Most buyers get 7–14 days to review condo documents. Upload the packet — we read the reserve study, budget, minutes, and insurance summary and flag the risks, every finding linked to the exact page. Free.
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We can connect you with vetted real estate lawyers, mortgage brokers, and insurance brokers familiar with the specifics of condo and HOA transactions.
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Related risk areas
Read these next to round out your due diligence
Reserve studies
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.
Special assessments
Special assessments are the single largest source of financial surprise in condo and HOA ownership.
Insurance risk
The association's master insurance policy determines what your personal HO-6 policy needs to cover — and what it does not.
Reviewed by Kirk Hasley, Founder. Every claim here is checked against current New Hampshire statute and primary sources, using the same documented review framework we run on every file. Last reviewed June 13, 2026.
FAQ
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Risk Intelligence
Review the documents before your contingency ends
Most buyers get 7–14 days to review condo documents. Upload the packet — we read the reserve study, budget, minutes, and insurance summary and flag the risks, every finding linked to the exact page. Free.
Expert Matching
Need a real estate lawyer or mortgage specialist?
We can connect you with vetted real estate lawyers, mortgage brokers, and insurance brokers familiar with the specifics of condo and HOA transactions.
- HOA lawyer
- Mortgage broker
- Insurance broker