All Out Rubbish Property Solutions · HOA & condo associations
Can I sell if I'm behind on HOA or condo dues?
Yes. Past-due dues, fines, late fees and assessments follow the unit and are paid from your proceeds at closing through the association's estoppel certificate. You do not have to clear them first.
The title company orders an estoppel from the association or its management company. Florida law sets a response window and caps the fee. The certificate lists everything owed, and it is settled on the closing statement.
Associations can and do foreclose on their own liens in Florida, which is how people lose properties over comparatively small balances. Selling ends the accrual.
Where associations slow a sale down is buyer approval and estoppel turnaround, not arrears. Ordering the estoppel the day the contract is signed is the single best thing you can do for your closing date.
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Important disclosure
All Out Rubbish Property Solutions is a local real estate investment company, not a real estate brokerage, and no one on our team is acting as your real estate agent. We buy houses and land directly with cash, or we assign our purchase contract to one of our vetted cash-investor partners. Either way, you pay zero commissions, zero fees, and zero repair or cleanout costs. We never list or advertise a property we do not own or have under a signed purchase contract.
Nothing on this page is legal, tax or financial advice. Florida lien, probate, foreclosure and association processes vary by case — talk to a Florida attorney or CPA about your specific property.