CommunityPay

Virginia Resale
Certificates

The Virginia Resale Disclosure Act, Va. Code §55.1-2310, sets one disclosure standard across condominium and property owners’ associations. It caps what an association may charge, fixes the delivery window, and gives the buyer a cancellation period. CommunityPay generates the packet from live ledger data.

One statute profile. 30 required disclosure items. Every data point pulled from the system of record — no manual assembly, no re-keying, no second copy of the books.

1 statute profile · 30 required disclosure items · 14-day delivery deadline · $176.64 fee · Generated from live ledger data

Written for
Title officers, escrow closers, real estate agents, board members, managers, and accounting firms who need to understand Virginia resale certificate requirements under the Resale Disclosure Act.
Statute reference
Va. Code §55.1-2310 (Virginia Resale Disclosure Act). Applies to condominium unit owners’ associations and property owners’ associations alike — one disclosure standard, not one per community type.
01

What Virginia Requires

Virginia consolidated its resale disclosure law in the Resale Disclosure Act. Va. Code §55.1-2310 carries both halves in one section: the procedural framework — delivery deadline, fee caps, buyer cancellation — and the substantive list of what the packet must disclose.

One Act, Both Association Types
The Resale Disclosure Act applies to condominium unit owners’ associations and property owners’ associations alike. Virginia does not run separate disclosure regimes per community type, so there is one packet standard rather than two.
Key Distinctions
$176.64 statutory fee cap on the resale package (Va. Code §55.1-2310(4)). 3 calendar days buyer rescission after receipt. Fee caps are CPI-adjusted; the next statutory adjustment is 2028-01-01.
Fee and Delivery
$176.64 statutory cap, 14-day delivery deadline, 3 calendar days buyer rescission window.
Statutory fee cap. Virginia caps the resale package preparation fee at $176.64 (Va. Code §55.1-2310(4)). The manager, the treasurer, or a board member confirms the disclosure set, the system generates from live ledger data, and the fee is bounded in statute.
Resale certificate automation →
02

Required Disclosure Items

The statutory items that must be included in the resale certificate, mapped to the specific subsection of law. This is the checklist title officers and board members use to verify completeness.

Va. Code §55.1-2310
Resale Disclosure Act · 30 items
(A)(1) Name, address, and phone numbers of the preparer of the resale certificate and any managing agent of the association
(A)(2) Governing documents and any rules and regulations of the association
(A)(3) Any restraint on the alienability of the unit for which the resale certificate is being issued
(A)(4) Amount and payment schedules of assessments and any unpaid assessments currently due and payable to the association
(A)(5) Any other fees due and payable by an owner of the unit
(A)(6) Any other entity or facility to which the owner may be liable for assessments, fees, or other charges due to ownership of the unit
(A)(7) Amount and payment schedule of any approved additional or special assessment and any unpaid amount currently due and payable
(A)(8) Capital expenditures approved by the association for the current and succeeding fiscal years
(A)(9) Amount of reserves for capital expenditures and portions designated by the association for specified projects
(A)(10) Most recent balance sheet and income and expense statement, if any, of the association
(A)(11) Current operating budget of the association
(A)(12) Current reserve study or a summary of such study
(A)(13) Unsatisfied judgments against the association and the nature and status of pending actions in which the association is a party that could have a material impact on the association, the owners, or the unit being sold
(A)(14) Insurance coverage provided by the association for the benefit of owners, including fidelity coverage and any coverage recommended or required to be obtained by the owners, and whether the governing documents may make an owner responsible for insurance deductibles
(A)(15) Whether the board has given or received written notice that any existing uses, occupancies, alterations, or improvements in or to the unit or its assigned limited elements violate the governing documents or rules and regulations, with copies of any notices
(A)(16) Whether the board has received uncured written notice from a governmental agency of any violation of environmental, health, or building codes with respect to the unit, its assigned limited elements, or any other portion of the common interest community
(A)(17) Approved minutes of board meetings held during the last six months
(A)(18) Approved or draft minutes of the most recent association meeting
(A)(19) Remaining term of any leasehold estate affecting a common area or common element in the common interest community and provisions governing extension or renewal
(A)(20) Any limitation in the governing documents on the number or age of persons who may occupy a unit as a dwelling
(A)(21) Any restriction, limitation, or prohibition on the right of an owner to display the flag of the United States, including reasonable restrictions as to size, time, place, and manner of placement or display
(A)(22) Any restriction, limitation, or prohibition on the right of an owner to install or use solar energy collection devices on the owner’s unit or limited element
(A)(23) Any restriction, limitation, or prohibition on the size, placement, or duration of display of political, for sale, or any other signs on the property
(A)(24) Any parking or vehicle restriction, limitation, or prohibition in the governing documents or rules and regulations
(A)(25) Any restriction, limitation, or prohibition on the operation of a home-based business that otherwise complies with all applicable local ordinances
(A)(26) Any restriction, limitation, or prohibition on an owner’s ability to rent the unit
(A)(27) In a cooperative, whether the cooperative association is aware of any statute, regulation, or rule that would affect an owner’s ability to deduct real estate taxes and interest paid by the cooperative association for federal income tax purposes
(A)(28) Any pending sale or encumbrance of common elements
(A)(29) Any known project approvals currently in effect issued by secondary mortgage market agencies
(A)(30) Certification that the association has filed the annual report required by law with the Common Interest Community Board, with the filing number and the expiration date of such filing
Single-section architecture. Virginia keeps procedure and substance in one place, so there is one authority to track rather than two. CommunityPay pins each generated packet to that statute snapshot, so any amendment flags affected certificates for board re-review.
03

What Changes for the Preparer

Today the preparer — the manager, the accounting firm, or the association's own staff — gathers each figure from the accounting system, the insurance file, and the violation log. The 14-day deadline runs while they do. In CommunityPay, those figures are already in the association's books. The preparer confirms the disclosures only the association can answer, and the certificate is generated in minutes.

Manual Process System-Generated
Turnaround Depends on gathering each record Minutes, once the disclosures are confirmed
Data accuracy Re-keyed from source records Live from ledger
Statute mapping Checked against a written checklist 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 and files Immutable packet with event log
04

Sample Certificate

A sample resale certificate generated for a fictional Virginia planned community using Va. Code §55.1-2310. The same format, structure, and compliance mapping used in production — with demo data.

Sample in Development
Va. Code §55.1-2310 · Resale Disclosure Act · Sample Data
  • Cover page with compliance profile and statutory reference
  • Compliance matrix showing status of all 30 required items
  • Transfer fees and other-fees disclosure resolved from board defaults
  • 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.
05

How It Works

From request to delivery. For an association that uses CommunityPay, title companies can submit requests via API or form. The manager, the treasurer, or a board member reviews the disclosures before generation. The certificate is generated from live ledger data. The association bills its fee and releases the certificate, delivered with an HMAC-signed callback.

01
Request received. Title company submits via API (POST /api/v1/rc/request/), public form, or the association's preparer starts it directly. Property address matched to HOA and unit.
02
Review. Request appears in the Vault RC Requests queue. The manager, the treasurer, or a board member reviews disclosure items and can set overrides for items requiring board-confirmed information (litigation, warranties).
03
Approval. Disclosure modal shows all items that will be included. The reviewer 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.
06

Multi-State Coverage

Virginia is one of 10 states with active compliance profiles. The same compliance-profile-driven architecture supports all states through a shared generation engine.

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.

Resale certificate automation → Platform architecture → Request a certificate → Verification model →
Statute data reflects Virginia law as of 2026. Disclosure item counts match the production compliance profile registry.
Each resale statute on this page is re-verified against the official text on a 90-day cycle, and a release fails if one lapses.
Virginia condo resale packages →
Compare and order
Resale & condo certificate software How the preparer generates a certificate from the association's books. How it works → Best condo management software Condo accounting, compliance, and certificate generation, compared. Read the review → Best HOA software for accounting & compliance A control-focused review of the HOA software market. Read the review → Order a resale or condo certificate For an association that uses CommunityPay: its manager or board reviews, then the certificate is generated from the live ledger. Start a request →

See It in Action

Download the sample certificate. Each figure in it traces to the association's books, and its content hash lets any recipient confirm it has not changed.

View Resale Certificate Feature Request a Certificate Book a Walkthrough
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