When you’re buying or selling a property that’s part of a homeowners association, the question of HOA fees is often the biggest source of confusion. A clear, written statement that the homeowner is not liable for any association fees can change the game for buyers, lenders, and attorneys alike. That’s why a Sample Letter Stating No HOA Fees is a tool you can’t afford to overlook. In this article you’ll learn why such a letter matters, how to craft one that meets every stakeholder’s needs, and where to use it in real‑world scenarios.
From the moment a seller lists a property to the closing day, the absence of HOA fees can impact the entire transaction. According to the National Association of Realtors, a staggering 33% of prospective buyers cite HOA fees as a deciding factor in their purchase. By providing a well‑structured letter that clearly states “no HOA fees,” you remove ambiguity, speed approvals, and keep the sale moving forward. Below, we explore the core value of this document and give you several ready‑to‑use templates for different contexts.
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Why a Letter Stating No HOA Fees Matters
When a home is part of a homeowners association, the rules that govern shared spaces and covenants can be buried in a dense governing document. Buyers may discover hidden costs once they receive the official HOA declaration, which can derail a simple sale. A single, clear letter that confirms “no HOA fees” eliminates this surprise.
When lenders review your loan file, clarity reduces paperwork and speed up approval. Instead of searching through minutes and bylaws, a lender can see the definitive statement that you are not responsible for any dues. This can be particularly crucial when the borrower applies for a first‑time home loan or a low‑income FHA program, which require proof of no association fees as part of the underwriting package.
- Reduces the risk of last‑minute objections from banks
- Prevents disputes over recurring dues during the closing process
- Informally establishes your credibility as a responsible owner or seller
Below is a quick table that contrasts the stakes of having vs. lacking a clear fee statement.
| Scenario | With Letter | Without Letter |
|---|---|---|
| Lender Review | Fast processing, no extra documentation | Delay for additional proof, possible loan derailment |
| Closing Day | All parties in agreement, smooth transfer | Potential for last‑minute disputes, cost overruns |
| Buyer Confidence | High trust, easier negotiations | Uncertainty, potential walk‑aways |
By understanding these dynamics, you can see why a straightforward declaration is more than administrative paperwork—it’s a key part of real estate success.
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Sample Letter Stating No HOA Fees for Real Estate Transactions
Below is a practical letter you can send to your real estate agent, lender, or buyers’ attorneys when there are no HOA fees on the property. Edit the placeholder text (e.g., [Address], [Seller’s Name]) before sending.
Dear [Recipient Name],
I hope this message finds you well. I am writing to confirm that the property located at [Address] is not subject to any homeowners association (HOA) fees. All HOA documents, including the declaration of covenants and the recorded association’s governing documents, were reviewed, and no dues, assessments, or ongoing obligations exist for the current owner. This letter is intended to serve as a formal statement of the absence of HOA fees for all parties involved in the transaction.
To further support this statement, I have attached the following documents:
- Copy of the property title and recorded HOA declaration
- Statement from the governing association confirming no dues
- Recent financial statement indicating zero outstanding assessments
Please feel free to contact me if you require further documentation or clarification. I appreciate your prompt consideration of this matter and look forward to a smooth closing.
Thank you for your time and cooperation.
Sincerely,
[Seller’s Name]
[Phone Number]
[Email Address]
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Sample Letter Stating No HOA Fees in Response to an Incorrect Fee Notice
Sometimes a homeowner receives a notice indicating an HOA fee that does not exist. The following example letter can dispute the charge and provide evidence that the fee is incorrect.
To Whom It May Concern,
My name is [Your Name], and I own the property at [Address]. I am writing to formally dispute the recent notice dated [Notice Date] which alleges that I owe an HOA fee of $[Amount] for the month of [Month]. After reviewing all records and consulting with the homeowners association, I confirm that the property is not liable for any HOA fees.
Enclosed please find the following documents:
- Official confirmation from the HOA board affirming no fees for the property
- Copy of the last year’s financial statement showing no outstanding balances
- Relevant section of the governing declaration indicating fee exemptions
Given this evidence, I kindly request that all records be updated to reflect the absence of fees and that any erroneous charges be refunded to me promptly. I appreciate your quick attention to this matter and look forward to a resolution within 10 business days.
Thank you for your cooperation.
Sincerely,
[Your Signature]
[Address]
[Phone Number]
[Email]
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Sample Letter Stating No HOA Fees for Mortgage Application Purposes
When applying for a mortgage, many lenders request proof that the applicant isn’t obligated to pay HOA fees. Below is a template you can use to confirm this to the lender.
Loan Officer
[Bank or Mortgage Company Name]
[Bank Address]
Re: [Borrower’s Full Name], Mortgage Application # [Application Number]
Dear Loan Officer,
Attached to this letter is a formal declaration that the property located at [Address] has no HOA association and therefore bears zero amounts of HOA dues or assessments. This document is being submitted for your records to satisfy the lender’s requirement for proof of no HOA fees.
Attached Documents:
1. Official statement from the HOA board (if applicable)
2. Copy of the deed showing no HOA obligations
3. Recent property tax statement confirming no “HOA” line item
Should you need additional confirmation or wish to verify the information with the HOA directly, please let me know. Thank you for your timely processing of the mortgage application.
Sincerely,
[Borrower’s Name]
[Address]
[Phone Number]
[Email]
Sample Letter Stating No HOA Fees for Legal Documentation and Title Search
Title companies and attorneys often need a clear statement that a property has no HOA fees to avoid title issues. The template below is tailored for that purpose.
To the Title Company,
[Title Company Name]
[Company Address]
Subject: Confirmation of No HOA Fees – [Address]
Dear [Title Company Contact],
As part of the title search process for the upcoming transaction involving [Realtor or Buyer’s Name], I’m providing an official confirmation that the property at [Address] does not have any homeowners association fees. This statement is valid as of the date of this letter and is based on the following verified documents:
- Property title showing the absence of HOA covenants
- Letter from the existing HOA board confirming no dues
- Recent financial statements with zero HOA assessments
Please incorporate this information into the title report. If you require further documentation or desire an independent verification from the HOA, do not hesitate to contact me. Your prompt attention to this matter will help avoid delays in the closing process.
Thank you in advance for your cooperation.
Best regards,
[Your Name]
[Phone]
[Email]
Conclusion
A Sample Letter Stating No HOA Fees is a simple but powerful tool that clears up confusion, protects your interests, and speeds up every part of the real estate process—from lenders to legal teams. By supplying a well‑crafted letter, you guarantee transparency, avoid costly delays, and demonstrate your responsibility to all stakeholders involved.
If you’re preparing a sale, mortgage application, or dispute and need a professional, ready‑to‑send letter, adapt one of the examples above to your situation. Or, if you prefer a fully customized version, reach out to our real‑estate experts today and let us help you create a document that meets your exact needs. Start your transaction on the right foot—because clarity saves time, money, and peace of mind.