Can you sell a home in Snohomish or King County if you have past‑due HOA fees?
Yes, you can sell a home with past‑due HOA fees, but the unpaid balance must be addressed before closing. Homeowners Associations in Snohomish and King County place a legal claim against your property when dues are overdue, meaning the fees must be paid, negotiated, or settled for the sale to proceed. REALTOR® Marie-Noelle Metseye helps homeowners navigate HOA requirements, payoff demands, and buyer expectations to ensure a smooth and compliant sale.
Why HOA Fees Matter When Selling
HOAs rely on regular payments to maintain shared amenities, landscaping, and community standards. When fees become past due, the HOA may take action, including placing a lien on your home.
Common reasons homeowners fall behind on HOA dues include:
- Job loss or unexpected expenses
- Rising HOA assessments or special assessments
- Inherited properties with unpaid balances
- Miscommunication after a separation or divorce
Step 1: Confirm the Amount Owed
Your HOA will provide an official ‘payoff demand,’ outlining the total amount owed, including late fees, interest, attorney fees, and collection costs. Marie-Noelle reviews the preliminary title report early to ensure all HOA balances are accounted for.
Step 2: Understand HOA Rights in Washington State
Under Washington law, HOAs can prevent a sale from closing if past‑due fees are unresolved. They may also file a lien, which legally attaches to the property.
In some cases, HOAs may even pursue foreclosure, which makes addressing the balance early extremely important.
Step 3: Decide How to Resolve the Past‑Due Balance
Homeowners typically have three options:
- Pay the HOA balance in full before closing
- Use sale proceeds to pay the balance at closing
- Negotiate the balance with the HOA or collection agency
Marie-Noelle coordinates with escrow, title, and the HOA to ensure payoff amounts are accurate and paid properly at closing.
Step 4: Disclose All HOA Details to Buyers
Washington requires sellers to disclose HOA rules, fees, special assessments, and any collection actions. Full disclosure builds trust and protects you from legal issues later. Marie-Noelle helps sellers prepare accurate documentation, including budgets, meeting minutes, and CC&Rs.
Step 5: Market the Property Professionally
A home with past‑due dues can still attract strong buyers when marketed effectively. Marie-Noelle’s strategy includes professional photos, pricing guidance, and highlighting community benefits, such as parks, pools, trails, and well‑maintained neighborhoods.
Local Market Insight
Communities in Bothell, Mill Creek, Lynnwood, Shoreline, and Renton include many HOA‑governed neighborhoods and condo associations. Because these areas remain in high demand, homes typically sell quickly once HOA balances are resolved.
In tight inventory markets like Snohomish and King County, most buyers are willing to proceed as long as dues are settled before closing.
Conclusion: Yes, You Can Sell, Even With Past‑Due HOA Fees
Past‑due HOA fees are a solvable problem. With the right preparation, communication, and professional support, you can clear the balance and move forward with your home sale.
If you’re selling a home in Snohomish or King County and owe HOA dues, contact REALTOR® Marie-Noelle Metseye for clear guidance and a step‑by‑step plan.
