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. 16 required disclosure items.
$375 fee cap, $75 for updates.
Chapter 207 imposes no statutory purchaser-cancellation period —
HOA buyer termination is governed by the TREC contract option-period clause.
Tex. Prop. Code §82.157 + §82.156
Texas Uniform Condominium Act. Applies to condominiums
under Chapter 82. 14 required disclosure items. Same fee cap.
Condominium purchasers have a separate five-day cancellation
right under Tex. Prop. Code §82.156 — "the purchaser may
cancel the contract before the sixth day after the date the
purchaser receives" the resale certificate.
Common Requirements
Both statutes: 10 business day delivery, $375 fee cap,
60-day currency period (longest of any state),
capital expenditures disclosure. Condominium-only: a separate
five-day purchaser-cancellation right under §82.156.
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.
§207.003(b)(1)
Restrictions on transfer of ownership
§207.003(b)(2)
Frequency and amount of regular assessments
§207.003(b)(3)
Approved special assessments not yet due
§207.003(b)(4)
Total of all amounts due and unpaid attributable to the property
§207.003(b)(5)
Capital expenditures approved by the association for the current fiscal year
§207.003(b)(6)
Amount of reserves for capital expenditures
§207.003(b)(7)
Current operating budget and balance sheet
§207.003(b)(8)
Total of unsatisfied judgments against the association
§207.003(b)(9)
Style and cause number of any pending lawsuit
§207.003(b)(10)
Certificate of insurance for common areas and facilities
§207.003(b)(11)
Conditions on the property the board has actual knowledge violate the subdivision restrictions, bylaws, or association rules
§207.003(b)(12)
Governmental health or housing code violation notices the association received regarding the property or common areas
§207.003(b)(13)
Amount of any administrative transfer fee charged for a change of ownership
§207.003(b)(14)
Name, mailing address, and telephone number of the association's managing agent, if any
§207.003(b)(15)
Statement whether the restrictions allow foreclosure of the association's assessment lien for unpaid assessments
§207.003(b)(16)
Itemized statement of all fees associated with transfer of ownership (description of each fee, payee, and amount)
§82.157(a)(1)
Right of first refusal or other restraint on transfer
§82.157(a)(2)
Periodic common expense assessment and unpaid common expenses currently due
§82.157(a)(3)
Other unpaid fees or amounts payable by the selling unit owner
§82.157(a)(4)
Capital expenditures approved by the association for the next 12 months
§82.157(a)(5)
Amount of reserves for capital expenditures
§82.157(a)(6)
Any unsatisfied judgments against the association
§82.157(a)(7)
Nature of any pending suits against the association
§82.157(a)(8)
Insurance coverage provided for the benefit of unit owners
§82.157(a)(13)
Association's current operating budget and balance sheet
§82.157(a)(9)
Whether the board knows of alterations or improvements to the unit or its limited common elements that violate the declaration, bylaws, or rules
§82.157(a)(10)
Whether the association received a governmental health or building code violation notice for the unit, its limited common elements, or the condominium
§82.157(a)(11)
Remaining term of any leasehold estate affecting the condominium and the provisions governing extension or renewal
§82.157(a)(12)
Name, mailing address, and telephone number of the association's managing agent, if any
§82.157(a)(14)
Itemized statement of all fees payable to the association or its agent associated with transfer of ownership
Texas separates unsatisfied judgments from pending litigation
as distinct disclosure items. Both §207.003(b)(8) and
§82.157(a)(6) 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 |
Days to weeks |
Seconds |
| 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 — drawn from live ledger |
| 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 16 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. For an association that uses CommunityPay, 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 10 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 |
Davis-Stirling Act |
15 |
Active |
| OR |
ORS 94.670 |
Planned Community Disclosure |
11 |
Active |
| FL |
Fla. Stat. §720.30851 |
HOA Act |
19 |
Active |
| FL |
Fla. Stat. §718.116 |
Condominium Act |
19 |
Active |
| TX |
Tex. Prop. Code §207.003 |
HOA Act |
16 |
Active |
| TX |
Tex. Prop. Code §82.157 |
Condominium Act |
14 |
Active |
| CO |
C.R.S. §38-33.3-316 |
CCIOA (unified) |
12 |
Active |
| NV |
NRS 116.4109 |
CIC Act (unified) |
10 |
Active |
| PA |
68 Pa.C.S. §5407 |
UPCA (planned community) |
18 |
Active |
| PA |
68 Pa.C.S. §3407 |
UCA (condominium) |
18 |
Active |
| VA |
Va. Code §55.1-2310 |
Resale Disclosure Act (unified) |
30 |
Active |
| AZ |
A.R.S. §33-1806 |
Planned Community Act |
16 |
Production |
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.
