Massachusetts · c.183A §6(d)Massachusetts 6(d) certificate: unpaid condo charges, 10 business days, recording
When a Massachusetts condominium unit is sold, the closing attorney obtains a statement from the organization of unit owners – the “6(d) certificate” – setting out unpaid common expenses and other sums assessed against the unit, including any amount claimed with priority over a mortgage (M.G.L. c.183A §6(d)). The association must furnish it within ten business days after a written request, for a reasonable fee. It binds the association, its board and every unit owner, and once recorded it discharges the unit from any lien for other sums then unpaid.
The rules
Contents
The amount of unpaid common expenses and any other sums assessed against the unit owner, including the amount the association claims has priority over a mortgage under §6(c).
10 business days
Furnished within ten business days after receipt of a written request, upon payment of a reasonable fee.
Binding
The statement binds the organization of unit owners, its governing body and every unit owner.
Recording
Recorded in the registry of deeds, it discharges the unit from any lien for other sums then unpaid. An unincorporated association's statement must cite the book and page of the instrument giving the signers authority.
Good to know
- No fee may be charged to a mortgagee foreclosing a mortgage on the unit who has given the association notice of its intention to foreclose.
- Because the certificate only covers sums unpaid at its date, order it close enough to closing to cover the latest monthly charge.
What the TC tracks
- Written request to the association or manager and the tenth business day.
- Certificate amounts matched on the closing statement, including any priority amount.
- Original certificate sent to the closing attorney for recording with the deed.
Questions about the Massachusetts 6(d) certificate
What is a 6(d) certificate in Massachusetts?
A statement from the condominium association of unpaid common expenses and other sums assessed against a unit, under M.G.L. c.183A §6(d), used at closing and recorded.
How long does a Massachusetts condo association have to issue a 6(d)?
Ten business days after receiving a written request.
How much does a 6(d) certificate cost?
The statute allows a reasonable fee; no fee may be charged to a foreclosing mortgagee that gave notice of its intent to foreclose.
Why is the 6(d) certificate recorded?
Recording it discharges the unit from any lien for other sums then unpaid, protecting the buyer and lender.
Related guides
Track the 6(d) request and the tenth business day as a task with an owner and due date in ClosingCode, and keep the certificate with the deal documents.
Start free trialSource: Massachusetts General Laws c.183A §6(d) (malegislature.gov, read October 24, 2026).
General information, not legal advice. ClosingCode is software; it is not a law firm or brokerage.