--- name: hoa-addendum title: HOA Addendum description: Drafts an HOA Addendum to a residential purchase agreement covering mandatory membership, financial obligations, governing documents, use restrictions, and buyer acknowledgments. Use when drafting HOA addenda, HOA disclosure forms, purchase addenda for HOA-governed properties, or CC&R disclosure documents. author: CaseMark author_url: https://github.com/CaseMark/skills/tree/main/skills/legal/hoa-addendum license: Apache-2.0 version: 0.1.0 execution_mode: open jurisdiction: us practice: real-estate language: en tags: [agreement, drafting, transactional] --- # HOA Addendum Drafts a binding addendum to a residential purchase agreement ensuring full disclosure of HOA obligations, financial commitments, and use restrictions. ## Prerequisites Gather before drafting: - **Executed purchase agreement** — date, parties, property ID - **HOA identification** — legal name, address, management company, incorporation status - **Current financials** — regular/special assessments, reserve fund status, transfer and capital contribution fees - **Governing documents** — CC&Rs, bylaws, articles, rules, architectural guidelines (recording info if available) - **Property details** — legal description, APN, subdivision name ## Quick Start 1. Collect all prerequisites above 2. Draft sections 1–6 below in order 3. Run the checks in Drafting Rules before finalizing ## Addendum Sections ### 1. Recitals & Identification | Field | Content | |-------|---------| | Parties | Full legal names matching purchase agreement; marital status if relevant to title | | Property | Street address, city, county, state, ZIP, APN, subdivision | | Purchase Agreement | Reference by execution date | | Linkage | "This Addendum supplements and modifies the Purchase Agreement dated [DATE]" | ### 2. HOA Disclosure - [ ] HOA legal name, address, phone, email, website - [ ] Management company name and contact - [ ] Incorporation state, status, fiscal year - [ ] Statement: membership is **mandatory and automatic** upon title transfer - [ ] Statement: buyer bound by all governing documents; noncompliance may result in fines, liens, or enforcement ### 3. Financial Obligations | Item | Details | |------|---------| | Regular assessments | Amount, frequency, due dates | | Special assessments | Pending/approved amounts, purpose, schedule, buyer/seller allocation | | Reserve fund | Current status, known upcoming capital improvements | | Delinquency | Late fees, interest rates, lien rights | | Transfer/closing fees | Transfer fees, capital contribution fees, document production fees | | Increase process | Governing document provisions on assessment increases and caps | ### 4. Governing Documents & Restrictions List all binding documents with recording info (book/page or instrument number): - Declaration of CC&Rs - Articles of Incorporation - Bylaws - Rules and Regulations - Architectural Guidelines - All amendments Disclose key restriction categories: | Category | Typical Restrictions | |----------|---------------------| | Architectural | Exterior modifications, landscaping, paint colors — committee approval required | | Use | Rental limits, home business restrictions, parking rules | | Pets | Species, size, number limits | | Common areas | Usage rules, exclusive-use assignments | Include buyer's right to obtain and review all governing documents before closing, with document production cost disclosure. ### 5. Buyer Acknowledgments & Contingencies **Acknowledgment block:** - [ ] Receipt of addendum and all referenced HOA documents (or right to receive within specified period) - [ ] Agreement to be bound by current and future HOA rules adopted per governing documents - [ ] Opportunity to consult legal counsel - [ ] Buyer's duty to independently verify HOA information - [ ] Seller's good-faith limitation of liability for HOA information accuracy **Document review contingency (if applicable):** - Contingency period: typically 3–10 days from document receipt - Termination procedure: written notice with specified delivery method - Earnest money disposition upon termination ### 6. Execution Block - Separate signature line (printed name, signature, date) for each buyer and seller - Effective only when executed by all parties - Survives closing unless otherwise specified - **Conflict provision:** addendum controls over purchase agreement on all HOA-related matters ## Drafting Rules - Reference the purchase agreement by date and parties in the opening recital - Use plain language; maintain legal precision on obligation and remedy terms - Number all sections for cross-reference - Include header (property address + "HOA Addendum") and footer (page numbers) on every page - Do not opine on HOA financial health — present disclosed facts only - If recording info is unavailable, note "to be provided" rather than omitting ## Pitfalls - **Jurisdiction variance**: state disclosure requirements differ significantly — flag jurisdiction-specific provisions (e.g., VA resale certificate, FL HOA disclosure, CA Civil Code §4525 packet rules) [VERIFY] - **Missing special assessments**: always confirm whether pending or approved special assessments exist; omission creates liability - **Stale financials**: verify assessment amounts and reserve status are current as of drafting date - **Unsigned governing documents**: ensure buyer receives executed/recorded versions, not drafts