No HOA Letter Template

A plain statement that a property is not part of a homeowners association, written for the lender, title company, or closing agent who asked for one.

Last updated November 9, 2026 · Educational templates, not legal advice. Check your governing documents and state law, and have your association attorney review anything high-stakes.

Quick answer

A no HOA letter is a signed statement that a property is not subject to a homeowners association or its dues. It is usually signed by the owner, sometimes as a notarized affidavit, and lenders or title companies may require their own form. It cannot opt a property out of an existing HOA.

Copy-ready no HOA letter templates

1. Owner statement: property not in an HOA

The version most lenders and title companies ask for. Sign it only if you have checked that it is true.

OWNER STATEMENT — PROPERTY NOT SUBJECT TO A HOMEOWNERS ASSOCIATION

Date: [date]

Property address: [street address, city, state, ZIP]
County / parcel number (APN): [parcel number]
Legal description (if requested): [as shown on the deed]

Addressed to: [lender / title company / escrow officer / appraiser], re: [loan or file number]

I, [owner name(s)], am the owner of record of the property above.

To the best of my knowledge, this property is not part of, and is not subject to, any homeowners association, condominium association, or similar community association. I do not pay, and have never been billed, any assessments, dues, or fees to any such association for this property. I am not aware of any recorded declaration of covenants, conditions, and restrictions that creates an association or a mandatory assessment for this property.

[Optional, if true: This statement is based on my review of my deed, my title commitment/policy dated [date], and the county records.]

If an association or assessment is discovered later, I will tell [recipient] promptly.

Signature: ______________________   Date: __________
Printed name: ______________________
[Notary acknowledgment block, if the recipient requires a notarized statement or affidavit]

2. Association or manager letter: property not in this association

For a nearby association confirming that a specific property is outside it.

[Letterhead of the association, management company, or master association]

Date: [date]

To: [requestor name / title company / lender]
Re: [property address, parcel number], owner [owner name]

This letter responds to your request dated [date] about the property above.

[Select the one that is true.]
[ ] The property above is not within the boundaries of, and is not subject to the governing documents or assessments of, [Association name].
[ ] [Association name] has no records showing that the property above is a member of the association or has been assessed.

This statement is based on the association's records as of [date]. It is not a title search, a legal opinion, or a statement about any other association (such as a master or neighboring association). Please contact [name / phone / email] with questions.

Sincerely,
[Name], [Title]
[Association name]

Before you sign

Ask the requester whether they have a required form. Use theirs if so.
Check the deed, title commitment, and county records for recorded covenants or an association.
Make sure the statement is true. A false statement on a loan or closing document can have serious consequences.
Ask whether notarization is required.
Keep a signed copy with your closing records.

This page is general information, not legal advice. If you are unsure whether a property is in an association, ask a title company or real estate attorney. If you are running an association, see our state HOA guides for what your state requires.

No HOA letters: common questions

What is a no HOA letter?

A short signed statement that a property is not part of a homeowners association and does not owe HOA dues. Lenders, title companies, escrow officers, and appraisers sometimes ask for it when a purchase or refinance file does not show an association.

Who signs a no HOA letter?

Most often the property owner (or the seller in a sale), sometimes in affidavit form with a notary. If a nearby association exists and the requester wants confirmation that your property is outside it, that association's manager or board can sign a short letter, as in the second template.

Will my lender accept this template?

Not necessarily. Lenders, title companies, and loan programs often have their own required form or wording, and some want a notarized affidavit or a title search instead. Ask the requester what they need first and use their form if they have one.

How can I check whether a property is in an HOA?

Look at the deed and title commitment or policy for references to a declaration or covenants, search the county recorder's records for recorded covenants and plats, check the county tax bill for assessments, and ask neighbors or the local city or county planning office. A title company's search is the most reliable.

Can I use a letter to opt out of an HOA?

No. If the recorded covenants for your property create an association, membership generally comes with the property, and a letter does not remove it. This template is only for properties that are not in an association.

Is a no HOA letter the same as an HOA estoppel or resale certificate?

No. An estoppel or resale certificate comes from an existing association and states the status of the account and the documents for a sale. A no HOA letter says there is no association.

HOA rules directory guideHow associations organize and publish their governing documents.Open State HOA guidesState-by-state HOA rules and statute links.Open HOA welcome letter templateFor associations welcoming new owners.Open All free HOA templatesViolation letters, meeting templates, and more.Open