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North Dakota · Century Code §47-10-02.3North Dakota HOA disclosure: 10 days to deliver, 5 days for the buyer

When a North Dakota home is subject to a homeowners' association or condominium, the seller must give the buyer, by an agreed date or within 10 days after the purchase agreement, a written package: dues and anything unpaid, approved special assessments, bylaws, rules and the declaration, minutes of the last two meetings, reserves and whether a reserve study is used, operating and reserve budgets and year-to-date financials, insurance, unsatisfied judgments and pending suits, alleged violations on the unit, transfer fees, collection remedies and policy, leasing restrictions, amenities and contact information (Century Code §47-10-02.3(2)). The association must furnish the documents within 10 days of the seller's request and may charge a reasonable fee disclosed before final acceptance (§47-10-02.3(5)). The buyer is not liable for unpaid amounts above those in the documents, and the contract is voidable by the buyer until the documents are provided and for five days after, or until conveyance.

What the law requires

  1. Seller's deadline

    An agreed date or within 10 days after executing the purchase agreement (§47-10-02.3(2)).

  2. Contents

    Dues and arrears, special assessments, governing documents, last two meetings' minutes, reserves and reserve study, budgets and financials, insurance, suits, violations, transfer fees, collection policy, leasing limits, amenities, contacts.

  3. Freshness

    Documents must cover at least the 90 days before the purchase agreement (§47-10-02.3(3)).

  4. Association's deadline

    10 days after the seller's request; a reasonable fee disclosed before final acceptance (§47-10-02.3(5)).

  5. Buyer protection

    Not liable for unpaid assessments above the documents; contract voidable until 5 days after receipt, or conveyance.

  6. Changes

    If a material fact changes before closing or possession, the seller furnishes a written amendment.

Steps for the seller's side

  • Request the documents from the association the day the contract is signed – it has 10 days.
  • Ask for the fee amount early so it can be disclosed before final acceptance.
  • Deliver the package and record the date: the buyer's 5-day window runs from receipt.

What the TC watches

  • The 10-day delivery deadline after the purchase agreement.
  • The buyer's 5-day voidability window from receipt.
  • Unpaid dues and assessments shown in the documents, for the settlement statement.

Questions buyers and sellers ask

When must a North Dakota seller give HOA documents?

By an agreed date or within 10 days after the purchase agreement is executed (§47-10-02.3(2)).

Can a North Dakota buyer cancel after receiving HOA documents?

Yes. The contract is voidable until the documents are provided and for five days after receipt, or until conveyance.

How long does a North Dakota HOA have to provide documents?

10 days after the seller's request, for a reasonable fee disclosed before final acceptance (§47-10-02.3(5)).

Related guides

Put the 10-day HOA document deadline and the buyer's 5-day window on the deal as tasks with an owner and due date in ClosingCode.

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Source: North Dakota Century Code §47-10-02.3 (ndlegis.gov, read October 25, 2026).

General information, not legal advice. ClosingCode is software; it is not a law firm or brokerage. This guide is not a substitute for the advice or services of an attorney.