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Selling Your Home in an HOA—Made Simple

Everything you need to know to sell smoothly, stay compliant, and close with confidence

Thinking of selling your home in a homeowners association (HOA)? This quick video walks you through the essentials—from preparing disclosures and gathering documents to avoiding costly surprises at closing.

Discover how the HOA Summary—also known as The Rex Report—can help you find the perfect buyer for your property. With expert tips from Association Online and The Group Real Estate, you’ll be ready to make informed decisions and navigate your sale with confidence.

What Does a Seller Need to Know?

Understand HOA Closing Fees

HOAs charge fees for transaction data and other services related to property sales. Some of the fees must be paid before closing, and others at the closing table.

Unfortunately, these fees can add up quickly, leaving sellers with unexpected costs. KNOW the expected total HOA fees on your property early, so you can prepare for them, and even include them in your contract negotiations.

Understand Your HOA Disclosure Risk

Colorado requires the seller to provide the buyer 24 disclosure items by the stated-contract date. The buyer may cancel the contract for a period of time (as stated in the contract) if they don’t like what they learn from this HOA information.

The seller is liable to ensure that the disclosure information they provide is compliant with Colorado law. At AO, we find 85% of the time that homeowner portals or purchased document packages do not meet the Colorado contract requirements! And, the buyer has up to four years to file a lawsuit regarding improper disclosures.

This is why The Group has partnered with AO to relieve you of this risk and liability as a seller. At AO, we will assume the risk and ensure that the CIC document package we deliver on your behalf is fully compliant.

What About Metro Districts?

Sellers do not have the same document disclosure requirements with metro districts as they do with HOAs. However, the closing costs in a metro district can be just as significant and often a status letter is still required. We recommend following the same disclosure process so your seller is not left holding the bill. Ensure the expected costs are clear and can be included in your contract negotiations. Reduce your risks by providing the buyer thorough disclosure information.

Tips to Reduce Out-of-Pocket Expenses

Colorado has some of the highest HOA fees in the nation for real estate transactions. Upfront HOA fees for a closing often exceed $1000, and total fees including upfront and at-the-closing-table fees can exceed $2500.

AO and The Group recommend the following practices to save substantial cost:

Fill out the Seller Association Authorization (SAA) at the listing.

You can find the SAA form in your agent document set, or on the Department of Regulatory Agencies (DORA) website.
With the SAA in hand, you have proof of your seller’s authorization to help them obtain their HOA documents, or you can authorize another party such as Association Online as their agent to help!
Seller’s potential cost savings is significant! CIC document packages can cost over $700 and the necessary rush fees to meet your deadline can exceed $600; it is not uncommon for sellers to pay over $1,000 on the CIC package alone without the SAA!
Association Online has saved Colorado residents over $15,000,000 since 2019 by using the SAA.

Choose your title company carefully.

Obtaining the correct HOA information in a timely fashion is not easy. Make sure your title company has the expertise needed to ensure your sellers don’t overpay.
CO sales can have up to FOUR HOAs on a single property. Assure your trusted advisor locates and manages ALL of the required data, delivering complete information on time.
Untrained processors can add costly and unnecessary HOA rush fees to your transaction and create closing delays; missed HOAs or incomplete data can result in high costs and even lawsuits after the close.

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Know what buyers expect—and how to deliver with confidence.

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Tap into the Seller Authorization Agreement (SAA) to streamline HOA document ordering and remove upfront costs —keeping more cash in your pocket now.

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Order your CIC documents right away to avoid rush fees, reduce delays, and keep more money in your pocket at closing.

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Stand out from the competition and sell faster—use the Rex Report to showcase transparency, build buyer confidence, and streamline your HOA home sale.

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Provide detailed HOA information upfront so buyers can determine if the community is the right fit before they make an offer. It’s a smart way to reduce canceled contracts and keep your sale on track.

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With Association Online delivering a fully compliant CIC Document Package, you’re protected for four years after closing. That means no legal liability for missing documents—and total peace of mind for you.

Seller SAA

Sellers: Ready to Order Your CIC Document Package?

Make your move with confidence! Association Online makes it easy to get started—just click the button below to complete the order form and Seller Authorization Agreement (SAA). We’ll handle the document prep and delivery, so you can focus on your sale knowing you're protected and compliant.

Start Your CIC Document Order

Listing Agent Details

Listing Agents: Boost Your Listing with the HOA Summary - The Rex Report

Stand out from the start! Order the optional HOA Summary—also known as the Rex Report—to give buyers a clear, detailed view of the community. Delivered before your listing goes live, this co-branded report includes HOA fees, closing costs, and more—plus it helps generate leads and adds value to your seller’s document package.

Order the Rex Report Now

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Listing Agents : At Contract

Deliver HOA confidence with every contract. Congrats on going under contract! Now it’s time to shine. As part of our HOA Sales Expert Program, Association Online will handle the HOA reports and closing requirements—so you can focus on your client and celebrate the milestone with confidence and professionalism.

Notify AO - You're Under Contract!