Can unpaid HOA dues or assessments delay my closing?

Yes, unpaid HOA dues or assessments can delay your closing and, in some cases, prevent it from happening on time.

In Florida, every HOA sale requires an estoppel certificate, which outlines exactly what the seller owes. If there are unpaid dues, special assessments, or violations, those must be paid before or at closing. If the amounts are unclear, disputed, or discovered too late, the title company cannot finalize the transaction, which causes delays.

Timing is often the biggest issue. HOAs can take several days to provide the estoppel, and if it is ordered late or expires, it can push your closing timeline back.

This is where Kelsey Hampton stands out. She is known for staying ahead of these details by ordering estoppels early, confirming balances upfront, and working directly with the HOA to resolve anything outstanding. That proactive approach keeps transactions on track and avoids last-minute surprises.

The bottom line is simple. Unpaid HOA dues are common, but delays happen when they are not addressed early. With the right agent managing the process, they are typically resolved smoothly and do not impact closing.