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2:T2a47,[{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://condosignal.com/"},{"@type":"ListItem","position":2,"name":"Texas","item":"https://condosignal.com/texas"}]},{"@context":"https://schema.org","@type":"LocalBusiness","name":"CondoSignal — Texas","url":"https://condosignal.com/texas","areaServed":{"@type":"State","name":"Texas","identifier":"TX"},"parentOrganization":{"@type":"Organization","name":"CondoSignal","url":"https://condosignal.com"}},{"@context":"https://schema.org","@type":"BlogPosting","headline":"Texas Condo \u0026 HOA Review: TUCA Ch. 82, Reserves, TWIA","description":"Texas condos run under TUCA (Prop. Code Ch. 82): no reserve mandate, a §82.157 resale certificate with six-day cancellation, and hail/hurricane TWIA risk.","mainEntityOfPage":"https://condosignal.com/texas","author":{"@type":"Organization","name":"CondoSignal Research","url":"https://condosignal.com/about/methodology"},"reviewedBy":{"@type":"Person","name":"Kirk Hasley","jobTitle":"Founder","url":"https://condosignal.com/about/team","description":"Founder of CondoSignal, a real estate investor and technology executive. He built CondoSignal after repeatedly running into the same problem as a buyer and owner: the documents that disclose a building's real financial and structural risk are long, technical, and easy to misread.","worksFor":{"@type":"Organization","name":"CondoSignal","url":"https://condosignal.com"}},"publisher":{"@type":"Organization","name":"CondoSignal","logo":{"@type":"ImageObject","url":"https://condosignal.com/logo.png"}},"datePublished":"2026-06-13","dateModified":"2026-06-13","articleSection":"Texas condo \u0026 HOA guides","keywords":"Texas, condo, HOA, document review, reserve study, special assessment","isPartOf":{"@type":"WebSite","name":"CondoSignal","url":"https://condosignal.com"}},{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Do Texas condos and HOAs have to fund reserves?","acceptedAnswer":{"@type":"Answer","text":"No. Neither the Texas Uniform Condominium Act (Tex. Prop. Code Ch. 82) nor the HOA act (Ch. 209) requires a reserve study or any level of reserve funding. Reserve funding in Texas is entirely voluntary, set only by the association's declaration. A board can legally run an operating-only budget with no reserve line and cover major repairs through special assessments. Section 82.157 only requires the resale certificate to disclose reserves \"if any.\" Because the statutory floor is so low, the reserve balance and whether any study exists are among the most important things to read — a thin or empty reserve usually means owners should expect assessments for big-ticket work."}},{"@type":"Question","name":"What is a Texas condo resale certificate and what must it disclose?","acceptedAnswer":{"@type":"Answer","text":"Under §82.157, a selling condo owner must furnish the buyer a current resale certificate — prepared no earlier than three months before delivery and provided by the association within 10 days of written request — along with the declaration, bylaws, and rules. It must disclose periodic and unpaid assessments, capital expenditures approved for the next 12 months, the amount of reserves for capital expenditures if any, unsatisfied judgments, the nature of any pending suits, and insurance coverage. The fee commonly runs around $375 under TREC-standard practice, though Texas sets no hard statutory cap. A large approved capital item disclosed with no reserves behind it typically signals a pending special assessment."}},{"@type":"Question","name":"Can a Texas condo buyer cancel after signing?","acceptedAnswer":{"@type":"Answer","text":"Yes — and this is a meaningful condo-only protection. Under §82.156, if a condo resale buyer did not receive the resale certificate before signing the contract, the buyer may cancel before the sixth day after receiving it (or before executing a written waiver, whichever comes first). A parallel six-day window applies in developer sales if the Condominium Information Statement was not delivered. Subdivision HOAs under Ch. 209 have no comparable statutory rescission right, so for an HOA purchase your protection comes from your contract's contingencies rather than statute."}},{"@type":"Question","name":"Why are Texas condo insurance costs and deductibles such a concern?","acceptedAnswer":{"@type":"Answer","text":"Texas led the nation with 20 billion-dollar weather events in 2024, and hail struck more than 235,000 homes in 2025. TUCA §82.111 requires only property coverage of at least 80% of replacement cost plus general liability, and it does not cap deductibles. The result is large, often percentage-based wind/hail deductibles — the statewide average is roughly $7,761 — that can be a standalone budget line. When the master deductible exceeds 5% of coverage, Fannie Mae and Freddie Mac may decline the loan, so a high deductible is both an affordability and a financing risk. Review the master declarations page, named-storm terms, and any deductible pass-through to owners."}},{"@type":"Question","name":"What is TWIA and does my Texas condo rely on it?","acceptedAnswer":{"@type":"Answer","text":"The Texas Windstorm Insurance Association (TWIA) is the insurer of last resort for wind and hail in the 14 first-tier coastal counties and Harris County east of Highway 146, available after a private carrier denies coverage. If your condo sits in that territory — Galveston, Corpus Christi, South Padre, and similar markets — its wind/hail coverage likely runs through TWIA. Critically, TWIA covers wind and hail only; flood and storm surge require separate NFIP or private flood coverage, a gap that left many owners exposed after Hurricane Harvey. Confirm both TWIA and flood coverage are in force, and check the WPI-8 windstorm certificate for newer or repaired coastal construction."}},{"@type":"Question","name":"Does Texas regulate condo and HOA associations, and what changed in 2025?","acceptedAnswer":{"@type":"Answer","text":"No state agency regulates Texas community associations — the Secretary of State states plainly that no state agency oversees property owners' associations. There is no condo commission, HOA ombudsman, or reserve mandate; owners enforce rights through the courts. The 2025 legislature did add transparency duties: SB 711 (effective September 1, 2025) requires condos of 60+ units or those using a management company to publish governing documents online, expands the management-certificate contents, and requires condo certificates to be filed with TREC within seven days of county recording. 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Code Ch. 82, while planned-subdivision HOAs fall under the Texas Residential Property Owners Protection Act, Ch. 209. Crucially, there is no state agency that regulates community associations, no statewide structural-inspection law, and — most consequential for buyers — no statutory requirement to conduct a reserve study or fund reserves at all. Reserve funding in Texas is entirely voluntary, set only by the declaration, which makes reserve diligence less about confirming compliance and more about reading whether the board has chosen to save for a roof, envelope, garage, or elevator that statute never forces them to fund. The dominant buyer risk is insurance: Texas led the country with 20 billion-dollar weather events in 2024, hail struck more than 235,000 homes in 2025, and percentage-based wind/hail deductibles now run thousands of dollars per claim — often above the 5% threshold that can block conventional financing. Coastal associations in the 14 first-tier counties (plus Harris County east of Highway 146) typically depend on the Texas Windstorm Insurance Association (TWIA) for wind and hail, with flood and storm surge carved out to separate NFIP coverage. On the disclosure side, Texas is comparatively strong for condos: §82.157 requires a current resale certificate (prepared no earlier than three months before delivery) disclosing assessments, approved 12-month capital expenditures, reserves if any, pending suits, and insurance — and §82.156 gives condo resale buyers a six-day right to cancel if the certificate arrives late. Subdivision HOAs under Ch. 209 enjoy neither a statutory resale certificate of that scope nor a rescission window, a sharp condo-versus-HOA divide. Layer on master-planned communities with stacked master and sub-associations, expansive-clay foundation exposure, and the 2025 SB 711 transparency reforms now requiring larger condos to publish governing documents online, and a Texas document review becomes an exercise in untangling structure, pricing in catastrophe risk, and reading reserve discipline the statute never mandates.d:["funnel_buyer","state_texas"]
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Condominiums created on or after January 1, 1994 are governed by the Texas Uniform Condominium Act (TUCA), Tex.","primaryCta":{"label":"Get my free review","href":"/start"},"secondaryCta":{"label":"See a sample report","href":"/sample-report"}}],["$","section",null,{"className":"bg-white py-section","children":["$","div",null,{"className":"container-wide","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":["Why ","Texas"," is different"]}],["$","p",null,{"className":"mt-3 max-w-3xl text-lg leading-relaxed text-graphite","children":"$5"}],["$","div",null,{"className":"max-w-3xl","children":["$","$L6",null,{"experience":"risk_check","placement":"state_after_intro","path":"/texas","pageType":"state","state":"TX"}]}],["$","div",null,{"className":"mt-6 max-w-3xl","children":["$","p",null,{"className":"rounded-md border-l-2 border-signal/50 bg-signal/5 px-4 py-3 text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":["Based on CondoSignal's review of ","Texas"," condo-document risk patterns."]}]," ","This page reflects our analysis of ","Texas","'s disclosure requirements",""," and the issues we most often flag in"," ","Texas"," document packages — not generic HOA advice."]}]}],["$","div",null,{"className":"mt-12 grid gap-6 md:grid-cols-2","children":[["$","article","No reserve mandate — funding is voluntary",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"No reserve mandate — funding is voluntary"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Neither TUCA (Ch. 82) nor the HOA act (Ch. 209) requires a reserve study, a reserve-funding level, or any percent-funded standard. Texas is repeatedly cited as a state with no statutory reserve obligation at all — any duty to save comes solely from the declaration. Boards may run operating-only budgets and rely on special assessments when a roof, envelope, garage, or elevator comes due. Section 82.157 requires the resale certificate to disclose the amount of reserves for capital expenditures \"if any,\" so a blank or negligible reserve line is legal but is one of the strongest predictors of future out-of-pocket exposure. The absence of a study is itself a signal; read the reserve balance against the building's real capital obligations."}]]}],["$","article","Insurance crisis — hail, hurricane, and percentage deductibles",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"Insurance crisis — hail, hurricane, and percentage deductibles"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Texas carries the broadest catastrophe profile of any U.S. state: hail (235,000+ homes hit by 2-inch-plus stones in 2025), Gulf hurricanes and storm surge, tornadoes, and the 2021 Winter Storm Uri freeze. The headline buyer risk is the wind/hail deductible — often a percentage of insured value (the statewide average is roughly $7,761) rather than a flat figure. TUCA §82.111 sets only an 80%-replacement-cost property floor plus general liability and does not cap deductibles. Where the master deductible exceeds 5% of coverage, Fannie Mae and Freddie Mac may decline the loan, so a high wind/hail deductible is both an affordability and a financing risk. Read the master declarations page, named-storm provisions, and any deductible pass-through to owners."}]]}],["$","article","Coastal wind via TWIA, with flood carved out",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"Coastal wind via TWIA, with flood carved out"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Associations in the 14 first-tier coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy) and Harris County east of Highway 146 typically insure wind and hail through the Texas Windstorm Insurance Association after a private-carrier denial. TWIA covers wind and hail only — flood and storm surge require a separate NFIP or private policy, a chronic coverage gap exposed by Hurricane Harvey. Newer or repaired coastal construction must hold a WPI-8 windstorm certificate to be TWIA-insurable. For Galveston, Corpus Christi, and South Padre towers, confirm TWIA and NFIP are both in force, check WPI-8 status, and watch for salt-air corrosion on rebar, balconies, and railings that no Texas inspection law requires the board to survey."}]]}],["$","article","Resale certificate completeness and the §82.157 framework",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"Resale certificate completeness and the §82.157 framework"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"For condos, §82.157 requires a current resale certificate — prepared no earlier than three months before delivery, furnished within 10 days of written request — disclosing periodic and unpaid assessments, capital expenditures approved for the next 12 months, reserves if any, unsatisfied judgments, the nature of pending suits, and insurance coverage. The certificate fee commonly runs around $375 under TREC-standard practice, but Texas does not impose a hard statutory cap, so amounts and completeness vary. A large approved capital item with no reserves behind it usually signals a coming special assessment. Subdivision HOAs under Ch. 209 have no §82.157-equivalent certificate and no statutory rescission right, so a buyer's protection depends heavily on contract contingencies and what the management company chooses to provide."}]]}],["$","article","Master-planned community layers and SB 711 transparency",{"className":"rounded-lg border border-ink/10 bg-paper p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-ink","children":"Master-planned community layers and SB 711 transparency"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-graphite","children":"Many Texas communities stack a master association over one or more sub-associations, each with its own dues, restrictions, and reserves, plus drainage easements and expansive-clay foundation covenants across DFW, Houston, and San Antonio. Mapping who you pay and which layer governs which rule is core diligence. As of September 1, 2025, SB 711 expands the picture: it requires condos of 60+ units (or any condo using a management company) to publish governing documents online, broadens the management-certificate contents, and requires condo certificates to be filed with TREC within seven days of county recording. Documents that should be online but are not may indicate a compliance gap worth probing before you close."}]]}]]}],["$","div",null,{"className":"mt-8 max-w-3xl","children":["$","div",null,{"className":"rounded-lg border border-signal/50 bg-signal/5 p-6","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":"What we flag in Texas documents"}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-graphite","children":[["$","li","A resale certificate that's stale or delivered after you signed",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-signal","aria-hidden":"true"}],["$","span",null,{"children":"A resale certificate that's stale or delivered after you signed"}]]}],["$","li","Capital expenditures approved for the next 12 months with thin reserves",{"className":"flex gap-2","children":[["$","span",null,{"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full 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with five or more units; The same Arlington Analysis of Impediments document reports that roughly 31.4% of the city's housing units were built before 1980, meaning a significant share of Arlington's multifamily and potential condominium stock is more than 45 years old."}]]}],["$","$L3","brownsville",{"href":"/texas/brownsville","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Brownsville"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Brownsville"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Brownsville condo and HOA documents carry Texas-specific risks a generic Texas review misses: Cameron County, where Brownsville is located, is designated by the Texas Department of Insurance as part of the coastal area subject to special windstorm and hail coverage considerations, meaning Brownsville condo and HOA associations face coastal windstorm underwriting and deductible structures distinct from inland Texas communities; FEMA Flood Insurance Rate Maps for Cameron County show that parts of Brownsville lie within Special Flood Hazard Areas (Zone A and V), placing condos and HOAs in those mapped zones at elevated flood-damage risk and creating a strong need for separate flood insurance and flood-resilient maintenance planning beyond standard property coverage."}]]}],["$","$L3","carrollton",{"href":"/texas/carrollton","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Carrollton"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Carrollton"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Carrollton condo and HOA documents carry Texas-specific risks a generic Texas review misses: According to Census ACS 2020 5-year estimates, 35.0% of Carrollton's housing units are in structures of five or more units, indicating a substantial multifamily/condo-eligible building stock alongside a 54.7% single-family detached share; Census ACS 2020 data show that 37.1% of Carrollton's housing units were built between 2000 and 2009, and 29.3% between 1980 and 1999, meaning the majority of its residential building stock — including multifamily/condo candidates — postdates 1980."}]]}],["$","$L3","college-station",{"href":"/texas/college-station","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"College 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font-semibold text-ink","children":"Conroe"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Conroe"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Conroe condo and HOA documents carry Texas-specific risks a generic Texas review misses: According to the U.S."}]]}],["$","$L3","corpus-christi",{"href":"/texas/corpus-christi","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Corpus Christi"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Corpus Christi"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Corpus Christi condo and HOA documents carry Texas-specific risks a generic Texas review misses: HUD estimated the Corpus Christi Housing Market Area population at 449,800 as of April 1, 2024, with the HMA defined as coterminous with the Corpus Christi MSA and comprising Aransas, Nueces, and San Patricio counties; HUD estimated the Corpus Christi Housing Market Area sales vacancy rate at 2.2 percent as of April 1, 2024."}]]}],["$","$L3","denton",{"href":"/texas/denton","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Denton"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Denton"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Denton condo and HOA documents carry Texas-specific risks a generic Texas review misses: According to the U.S."}]]}],["$","$L3","el-paso",{"href":"/texas/el-paso","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm 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Texas-specific risks a generic Texas review misses: 31.5% of Fort Worth's housing units are in structures with two or more units, according to U.S."}]]}],["$","$L3","frisco",{"href":"/texas/frisco","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Frisco"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Frisco"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Frisco condo and HOA documents carry Texas-specific risks a generic Texas review misses: According to the U.S."}]]}],["$","$L3","galveston",{"href":"/texas/galveston","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Galveston"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Galveston"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Galveston condo and HOA documents carry Texas-specific risks a generic Texas review misses: Approximately 42% of occupied housing units in Galveston city are in structures with three or more units, indicating a significant multifamily and condominium presence relative to single-family detached homes; Roughly one-third of Galveston city's housing units were built before 1960, meaning a meaningful share of the multifamily and potential condo stock is in older buildings with elevated maintenance and retrofit needs."}]]}],["$","$L3","garland",{"href":"/texas/garland","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Garland"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Garland"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Garland condo and HOA documents carry Texas-specific risks a generic Texas review misses: Garland's Building Inspection Department enforces the International Building Code, International Residential Code, and related model codes as locally adopted construction standards, meaning condo and HOA buildings in Garland are inspected and permitted under these city-enforced codes rather than only under state-level minimums; FEMA's National Risk Index identifies Dallas County, which includes Garland, as having very high risk from severe hail relative to national averages, highlighting hail as a dominant physical hazard for Garland buildings with direct implications for roof maintenance, reserves, and master-policy wind/hail deductibles."}]]}],["$","$L3","irving",{"href":"/texas/irving","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Irving"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Irving"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Irving condo and HOA documents carry Texas-specific risks a generic Texas review misses: Approximately 64.4% of Irving's occupied housing units are in structures with five or more units, indicating an unusually high prevalence of multi-unit buildings including condominium-style and apartment buildings; 58.3% of Irving's housing units were built in 1980 or later, with a substantial share built after 2000, meaning much of the condominium and HOA property stock is relatively recent compared to pre-1980 legacy buildings."}]]}],["$","$L3","laredo",{"href":"/texas/laredo","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Laredo"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Laredo"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Laredo condo and HOA documents carry Texas-specific risks a generic Texas review misses: In the Laredo metropolitan statistical area (Webb County), the 2020 Census counted 72,535 total housing units, of which 19,581 (27.0%) were in structures with 3 or more units; Within the City of Laredo, the 2020 Census reported that 21.6% of occupied housing units were in structures with 3 or more units."}]]}],["$","$L3","lewisville",{"href":"/texas/lewisville","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Lewisville"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Lewisville"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Lewisville condo and HOA documents carry Texas-specific risks a generic Texas review misses: 41.1% of occupied housing units in Lewisville are in structures with two or more units, according to the U.S."}]]}],["$","$L3","lubbock",{"href":"/texas/lubbock","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Lubbock"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Lubbock"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Lubbock condo and HOA documents carry Texas-specific risks a generic Texas review misses: During the 12 months ending October 2024, rental units permitted in the Lubbock metro fell below 400, the lowest 12-month total since 2018, indicating a significant slowdown in multifamily construction; 34.7% of housing units in Lubbock County are in structures with two or more units, reflecting a substantial local multifamily and potential condominium stock."}]]}],["$","$L3","mckinney",{"href":"/texas/mckinney","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"McKinney"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"McKinney"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"McKinney condo and HOA documents carry Texas-specific risks a generic Texas review misses: Parts of McKinney along Wilson Creek and other local waterways carry FEMA-mapped riverine and flash-flood exposure, meaning some McKinney condo or HOA properties near these creeks may require separate flood insurance beyond standard property policies; Collin County, including McKinney, is classified by the National Weather Service Storm Prediction Center as part of a north Texas region experiencing frequent severe thunderstorms and large hail events, a hazard profile that directly affects wind/hail deductibles for condo and HOA communities in McKinney."}]]}],["$","$L3","pasadena",{"href":"/texas/pasadena","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Pasadena"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Pasadena"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Pasadena condo and HOA documents carry Texas-specific risks a generic Texas review misses: 43.0% of Pasadena's occupied housing units were built in 1979 or earlier, meaning a large share of the city's multifamily and potential condominium stock is more than 45 years old and subject to aging-building maintenance and reserve needs; 47.4% of occupied housing units in Pasadena are renter-occupied, indicating that a significant portion of multifamily buildings and associations in the city have mixed or predominantly tenant populations and may face governance issues related to investor ownership and rental density."}]]}],["$","$L3","pharr",{"href":"/texas/pharr","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Pharr"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Pharr"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Pharr condo and HOA documents carry Texas-specific risks a generic Texas review misses: According to the U.S."}]]}],["$","$L3","plano",{"href":"/texas/plano","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Plano"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Plano"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Plano condo and HOA documents carry Texas-specific risks a generic Texas review misses: According to Plano's 2022 Housing Trends Report, approximately 46% of Plano's housing units are in multifamily buildings (structures with three or more units); Plano's 2022 Housing Trends Report notes that the majority of the city's housing units were built after 1980, with a significant share constructed between 1980 and 1999, reflecting Plano's rapid growth period."}]]}],["$","$L3","richardson",{"href":"/texas/richardson","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Richardson"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Richardson"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Richardson condo and HOA documents carry Texas-specific risks a generic Texas review misses: Approximately 24.8% of Richardson's housing units are in structures with five or more units, indicating a significant multifamily/condominium-style building presence in the city's housing stock; About 45.5% of Richardson's housing units were built in 1980 or earlier, meaning nearly half of the local housing stock — including potential condominium properties — is more than 40 years old."}]]}],["$","$L3","round-rock",{"href":"/texas/round-rock","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Round Rock"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Round Rock"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Round Rock condo and HOA documents carry Texas-specific risks a generic Texas review misses: Approximately 24% of housing units in Round Rock are in structures with three or more units, meaning multifamily forms (including condominiums and apartments) represent a meaningful but minority share of the city's housing stock; Roughly 41% of owner-occupied housing units in Round Rock were built in 2000 or later, indicating that the city's owned housing stock — including any condominium units — is substantially newer construction compared with many legacy Texas cities."}]]}],["$","$L3","san-marcos",{"href":"/texas/san-marcos","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"San Marcos"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"San Marcos"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"San Marcos condo and HOA documents carry Texas-specific risks a generic Texas review misses: In the 2020 Census, San Marcos had 27,736 total housing units, of which 70.5% were in multi-unit structures (buildings with 2 or more units), indicating a predominantly multifamily housing stock; According to the 2020 ACS DP04 table, 35.3% of San Marcos housing units were built in 2000 or later and 27.4% were built before 1980, meaning more than one-third of the city's stock is post-2000 construction while roughly one-quarter predates 1980."}]]}],["$","$L3","texas",{"href":"/texas/texas","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":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Texas City"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Texas City"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Texas City condo and HOA documents carry Texas-specific risks a generic Texas review misses: Texas City had 54,192 housing units as of the 2020 Decennial Census, with 50.9% of them in structures of two units or more; In Texas City, 34.3% of occupied housing units were built before 1980 and 69.8% were built before 2000, indicating a substantial share of aging residential building stock."}]]}],["$","$L3","waco",{"href":"/texas/waco","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-white p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold text-ink","children":"Waco"}],["$","p",null,{"className":"mt-1 text-sm text-graphite","children":"Waco"}],["$","p",null,{"className":"mt-3 line-clamp-3 text-sm text-graphite","children":"Waco condo and HOA documents carry Texas-specific risks a generic Texas review misses: In 2023, the City of Waco filed a civil lawsuit against the owners of The Legend Apartments in McLennan County district court, alleging substandard conditions and code violations at that specific multifamily complex; As of the 2020 Census, McLennan County (which includes Waco) had 99,303 total housing units and 78,023 occupied units, establishing the county-scale housing base in which condominium and HOA-governed properties exist."}]]}]]}]]}]}],["$","section",null,{"className":"bg-white py-section","children":["$","div",null,{"className":"container-wide","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-widest text-signal","children":["Texas"," topic guides"]}],["$","h2",null,{"className":"mt-3 max-w-3xl text-3xl font-semibold","children":["Texas","-specific guidance"]}],["$","div",null,{"className":"mt-8 grid gap-4 md:grid-cols-2 lg:grid-cols-3","children":[["$","$L3","hoa-document-review",{"href":"/texas/hoa-document-review","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"HOA document review"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"An HOA document review reads the full association document set — declaration or deed restrictions, CC&Rs, bylaws, resale or disclosure certificate, current budget, audited financials, meeting minutes, and any enforcement history — and surfaces the items that actually affect your ownership cost, your usage rights, and your exposure to surprise assessments. HOA reviews have a different shape than condominium reviews, and treating them as the same process produces incomplete findings. This guide focuses on HOA and planned-community document sets — deed restrictions, use rights, and architectural control; for attached condominium ownership, where master insurance and shared building reserves dominate the risk, see Condo document review."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Texas"," guide →"]}]]}],["$","$L3","condo-document-review",{"href":"/texas/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":[["$","h3",null,{"className":"text-lg font-semibold","children":"Condo document review"}],["$","p",null,{"className":"mt-2 line-clamp-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. Done well, it tells you exactly what you are buying. Done in a hurry — or as a chat session against a single PDF — it misses the cross-references where real risk lives. This guide covers condominium document sets specifically, where shared building finances, the master insurance policy, and reserves drive the risk; if your property is a detached home in a planned community, the document set and the risks differ — see HOA document review."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Texas"," guide →"]}]]}],["$","$L3","reserve-studies",{"href":"/texas/reserve-studies","className":"flex h-full flex-col rounded-lg border border-ink/10 bg-paper p-6 shadow-sm transition-all duration-200 hover:-translate-y-0.5 hover:border-signal/40 hover:shadow-md","children":[["$","h3",null,{"className":"text-lg font-semibold","children":"Reserve studies"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"A reserve study tells you what the association expects to spend on long-term capital repairs and replacements, and whether it is funding those obligations adequately. Reading the study without also reading the actual reserve balance, the current budget's contribution line, and recent meeting minutes is the single most common mistake in condo due diligence — and the one most likely to produce an expensive surprise after closing."}],["$","p",null,{"className":"mt-auto pt-4 text-sm font-semibold text-signal","children":["Texas"," guide →"]}]]}],["$","$L3","special-assessments",{"href":"/texas/special-assessments","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":[["$","h3",null,{"className":"text-lg font-semibold","children":"Special assessments"}],["$","p",null,{"className":"mt-2 line-clamp-2 text-sm text-graphite","children":"Special assessments are the single largest source of financial surprise in condo and HOA ownership. They can arrive formally, as a voted board action with a disclosed amount. 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cancel for any reason (§ 47-270)"}]]}],["$","tr","delaware",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Delaware",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 days after the resale certificate, if not delivered before signing (§ 81-409)"}]]}],["$","tr","district-of-columbia",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["District of Columbia",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"3 business days after the condo documents/certificate (15 days for new-construction/declarant sales)"}]]}],["$","tr","florida",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Florida",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"7-day rescission on the resale disclosure (HB 913, 2025)"}]]}],["$","tr","georgia",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Georgia",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"7-day rescission on developer/initial condo sales only (§ 44-3-111); none for resale between owners"}]]}],["$","tr","hawaii",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Hawaii",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Limited — a 5-day right tied to a developer public report; resale relies on the purchase contract"}]]}],["$","tr","idaho",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Idaho",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory rescission"}]]}],["$","tr","illinois",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Illinois",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"No statutory rescission period"}]]}],["$","tr","indiana",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Indiana",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"No general cooling-off period. Two-business-day rescission only when a late/amended sales-disclosure form reveals a defect (IC 32-21-5-11)."}]]}],["$","tr","iowa",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Iowa",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None tied to association documents — only the Ch. 558A property-condition disclosure (3 days personal / 5 mailed)"}]]}],["$","tr","kansas",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Kansas",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory rescission"}]]}],["$","tr","kentucky",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Kentucky",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"Condos: voidable until the resale certificate is provided and for 5 days thereafter, or until conveyance (KRS 381.9203). HOAs: none."}]]}],["$","tr","louisiana",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Louisiana",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"15-day cancellation right tied to the condo developer's Public Offering Statement (R.S. 9:1124) — INITIAL DEVELOPER SALES ONLY. No statutory resale cancellation right between owners; no post-sale right of redemption."}]]}],["$","tr","maine",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Maine",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"Voidable until the resale certificate is delivered and for 5 days after (§ 1604-108)"}]]}],["$","tr","maryland",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Maryland",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Condos: 7 days after the resale package (§ 11-135). HOAs: 5 days if info wasn't delivered 5+ days pre-signing, plus a 3-day right if mandatory fees rise over 10% (§ 11B-106)"}]]}],["$","tr","massachusetts",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Massachusetts",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"None"}]]}],["$","tr","michigan",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Michigan",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — Michigan has no statutory resale rescission (new construction gets a 9-day right)"}]]}],["$","tr","minnesota",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Minnesota",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"10 days after the § 515B.4-107 resale disclosure certificate (unless delivered 10+ days before signing)"}]]}],["$","tr","mississippi",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Mississippi",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory resale certificate, estoppel regime, or buyer rescission period"}]]}],["$","tr","missouri",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Missouri",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Voidable until the resale certificate is delivered and for 5 days after (§ 448.4-109)"}]]}],["$","tr","montana",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Montana",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory rescission or cooling-off period"}]]}],["$","tr","nebraska",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Nebraska",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — resale buyers get documents but no statutory rescission right (§ 76-884)"}]]}],["$","tr","nevada",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Nevada",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5-day rescission after delivery of the resale package (NRS 116.4109)"}]]}],["$","tr","new-hampshire",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New Hampshire",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"No resale rescission. The only statutory cancellation right is 5 days on developer sales after delivery of the public offering statement (RSA 356-B:52)."}]]}],["$","tr","new-jersey",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New Jersey",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Developer/initial sales carry a PREDFDA rescission window; resale between owners has none (a 3-day attorney-review clause applies)"}]]}],["$","tr","new-mexico",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New Mexico",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"7 days after the condo resale certificate (§ 47-7D-9) or the HOA disclosure certificate (§ 47-16-11)"}]]}],["$","tr","new-york",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["New York",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"None — buyer protection comes from purchase-contract contingencies"}]]}],["$","tr","north-carolina",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["North Carolina",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"7 days on new condo purchases (after the public offering statement); none for resale between owners"}]]}],["$","tr","north-dakota",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["North Dakota",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory rescission or cooling-off right"}]]}],["$","tr","ohio",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Ohio",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"3 business days after the state Residential Property Disclosure Form, or 30 days after signing (§ 5302.30)"}]]}],["$","tr","oklahoma",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Oklahoma",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — no statutory resale certificate, status letter, or rescission window"}]]}],["$","tr","oregon",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Oregon",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 business days after the Seller's Property Disclosure Statement (ORS 105.464); developer sales may carry a longer right"}]]}],["$","tr","pennsylvania",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Pennsylvania",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 days after receiving the resale certificate (§ 3407)"}]]}],["$","tr","rhode-island",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Rhode Island",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Voidable until the resale certificate is delivered and for 5 days after (§ 34-36.1-4.09)"}]]}],["$","tr","south-carolina",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["South Carolina",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"None — South Carolina has no broad condo resale rescission or mandatory disclosure packet"}]]}],["$","tr","south-dakota",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["South Dakota",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"Resale: none. Developer/original sales only: a contract is not binding until the buyer receives the Real Estate Commission public report, voidable until ~10 days after receipt (S.D.C.L. 43-15A-10)."}]]}],["$","tr","tennessee",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Tennessee",false]}],["$","td",null,{"className":"px-3 py-2","children":"Study only"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"Narrow — generally none, except a 10-business-day right when a declarant-controlled association is late delivering § 66-27-503 information"}]]}],["$","tr","utah",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Utah",false]}],["$","td",null,{"className":"px-3 py-2","children":"Funding mandated"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"No HOA-specific statutory rescission — buyer protection runs through the purchase-contract due-diligence period"}]]}],["$","tr","vermont",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Vermont",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 days after the resale certificate (15 days for new construction) (§ 4-109)"}]]}],["$","tr","virginia",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Virginia",false]}],["$","td",null,{"className":"px-3 py-2","children":"Study only"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"3 days from receiving the resale certificate (often extended to 7 by the standard contract); cancel anytime before closing if it's never delivered (§ 55.1-2312)"}]]}],["$","tr","washington",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Washington",false]}],["$","td",null,{"className":"px-3 py-2","children":"Study only"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 business days after receiving the resale certificate (condos, RCW 64.34.425)"}]]}],["$","tr","west-virginia",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["West Virginia",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"Yes"}],["$","td",null,{"className":"px-3 py-2","children":"5 days after the resale certificate (15 days for new construction) (§ 36B-4-109)"}]]}],["$","tr","wisconsin",{"className":"odd:bg-white even:bg-paper text-graphite","children":[["$","th",null,{"scope":"row","className":"px-3 py-2 font-medium text-ink md:whitespace-nowrap","children":["Wisconsin",false]}],["$","td",null,{"className":"px-3 py-2","children":"Voluntary"}],["$","td",null,{"className":"px-3 py-2","children":"Not required"}],["$","td",null,{"className":"px-3 py-2","children":"No"}],["$","td",null,{"className":"px-3 py-2","children":"5 business days after receiving § 703.33 disclosure materials (or any material modification) — condo buyers only. 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