Texas has two statutes governing resale certificates for community associations.
Which one applies depends on whether the property is a planned community
governed by a property owners association or a condominium under Chapter 82.
Tex. Prop. Code §207
Property Owners Association Act. Applies to residential
property owners associations. 10 required disclosure items.
$375 fee cap, $75 for updates. 7-day buyer rescission
right per §207.004.
Tex. Prop. Code §82.157
Texas Uniform Condominium Act. Applies to condominiums
under Chapter 82. 10 required disclosure items. Same
fee cap and buyer rescission. Condominium-specific
statutory references.
Common Requirements
Both statutes: 10 business day delivery, $375 fee cap,
60-day currency period (longest of any state), 7-day
buyer rescission right, capital expenditures disclosure.
60-day currency. Texas resale certificates are current for
60 days from issuance — the longest currency period of any state in
CommunityPay's coverage. Combined with the highest fee cap ($375), Texas
provides more flexibility for closing timelines.
The statutory items that must be included in each resale certificate,
mapped to the specific subsection of law. This is the checklist title officers
and board members use to verify completeness.
(a)(1)
Restrictions on transfer of ownership
(a)(2)
Current regular and special assessments and fees
(a)(3)
Approved special assessments not yet due
(a)(4)
Amounts due from the owner, including assessments, fees, and fines
(a)(5)
Capital expenditures approved by the association for the current fiscal year
(a)(6)
Amount of reserves for capital expenditures
(a)(7)
Current operating budget and balance sheet
(a)(8)
Unsatisfied judgments against the association
(a)(9)
Pending litigation involving the association
(a)(10)
Insurance coverage provided for the benefit of property owners
(a)(1)
Restrictions on transfer of ownership
(a)(2)
Current regular and special assessments and fees
(a)(3)
Approved special assessments not yet due
(a)(4)
Amounts due from the unit owner, including assessments, fees, and fines
(a)(5)
Capital expenditures approved by the association for the current fiscal year
(a)(6)
Amount of reserves for capital expenditures
(a)(7)
Current operating budget and balance sheet
(a)(8)
Unsatisfied judgments against the association
(a)(9)
Pending litigation involving the association
(a)(10)
Insurance coverage provided for the benefit of unit owners
Texas is one of only two states in CommunityPay's coverage that explicitly
separates unsatisfied judgments from pending litigation. Both §207.003(a)(8) and
§82.157(a)(8) require separate disclosure of judgments already entered against the
association, in addition to pending litigation.
Most Texas associations still produce resale certificates by hand —
pulling numbers from accounting software, hunting for insurance certificates,
checking judgment records, and copying it all into a Word document. The 10-day
deadline makes this a recurring fire drill that creates real liability.
|
Manual Process |
System-Generated |
| Turnaround |
3–7 business days |
Minutes |
| Data accuracy |
Depends on who prepares it |
Live from ledger |
| Statute mapping |
Manual checklist, easy to miss items |
Every item mapped to subsection |
| Balance sheet |
May be months old |
Current within 120 days (enforced) |
| Verifiability |
None — Word doc or scanned PDF |
SHA-256 content hash, QR verification |
| Risk flags |
Not surfaced |
Deterministic (stale data, delinquency, gaps) |
| Audit trail |
Email chain, maybe |
Immutable packet with event log |
Sample in development. The Texas resale certificate follows the same
institutional format used across all CommunityPay compliance profiles,
adapted for Tex. Prop. Code §207 and §82.157 requirements.
- Cover page with compliance profile and statutory reference
- Compliance matrix showing status of all 10 required items
- Capital expenditures approved for current fiscal year
- Unsatisfied judgments disclosure (separate from litigation)
- Reserve fund status with percent funded
- Insurance coverage summary
- Risk flags panel with severity-based indicators
- SHA-256 content hash and verification section
- Branded footer with QR verification code
Every certificate includes a SHA-256 content hash and verification URL.
Recipients can independently confirm the document has not been altered
after generation.
From request to delivery. Title companies can submit requests via API or form.
The board reviews disclosures before generation. The certificate is generated
from live ledger data and delivered with an HMAC-signed callback.
01
Request received.
Title company submits via API (POST /api/v1/rc/request/),
public form, or board initiates directly. Property address matched to HOA and unit.
02
Board review.
Request appears in the Vault RC Requests queue. Board reviews
disclosure items and can set overrides for items requiring
board-confirmed information (judgments, litigation).
03
Board approves.
Disclosure modal shows all items that will be included.
Board confirms, and the system pulls live data from every
relevant model in the ledger.
04
Certificate generated.
Compliance profile selected, snapshot assembled, compliance check
computed, risk flags evaluated, PDF rendered with branded footer
and verification QR. SHA-256 content hash computed from canonical JSON.
05
Delivered.
Requestor notified. If a callback URL was provided, HMAC-SHA256 signed
POST delivered with exponential backoff (5 retries). Certificate
available in the Vault with full event log.
Texas is one of six states with active compliance profiles.
The same compliance-profile-driven architecture supports all states.
| State |
Statute |
Profile |
Items |
Status |
| WA |
RCW 64.34.425 |
Condominium Act |
20 |
Production |
| WA |
RCW 64.90.640 |
WUCIOA |
26 |
Production |
| CA |
Cal. Civ. Code §4525-4530 |
Davis-Stirling Act |
15 |
Active |
| OR |
ORS 94.670 |
Planned Community Act |
13 |
Active |
| FL |
Fla. Stat. §720.30851 |
HOA Act |
19 |
Active |
| FL |
Fla. Stat. §718.116 |
Condominium Act |
19 |
Active |
| TX |
Tex. Prop. Code §207 |
HOA Act |
10 |
Active |
| TX |
Tex. Prop. Code §82.157 |
Condominium Act |
10 |
Active |
Profile-driven, not template-driven. Each compliance profile defines
required items, statutory references, fee caps, delivery deadlines, and mandatory disclosures.
Adding a new state means adding a new profile — the generation engine, PDF rendering,
and verification infrastructure are shared.
A resale certificate is only as trustworthy as the data behind it.
When the certificate is generated from the same system of record that
processes payments, tracks reserves, and enforces governance controls,
every figure is verifiable back to the source transaction.