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Can an HOA take your home?
I’ve been thinking about buying a house in a private community, but it’s an HOA. I’m a little worried as I’ve heard some horror stories. If you do something they don’t like, can the HOA take your home?
Heather Bernhard · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I hear ya! We’ve all heard some crazy stories about HOAs. The answer to your question is a little complicated, but ultimately, an HOA might be able to take your home.
As you know, when you buy a home in a community with a homeowners association (HOA), you agree to pay monthly fees and assessments. These fees usually cover the shared costs of community amenities, such as a pool or clubhouse.
As per your contract, if you don’t pay the fees and assessments, a lien will automatically be attached to your property. The HOA might even record the lien with the county assessor to provide public notice that the claim exists.
Once an HOA has a lien on your property, they can legally foreclose—even if you’re up-to-date on your mortgage payments. This is true whether you owe them $100 or $10,000.
Some states impose limitations on an HOA’s ability to foreclose, so make sure you know your local laws!
Whether you decide to purchase your home in a private community or elsewhere, you’ll need a good home insurance policy.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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