Pennsylvania · 68 Pa.C.S. §§3407, 5407Pennsylvania resale certificate: 10 days for the association, 5 days for the buyer
When a Pennsylvania condominium unit or a home in a planned community is resold, the seller must give the buyer – before the contract or otherwise before conveyance – the declaration, bylaws, rules and a certificate covering assessments and anything unpaid, other fees, planned capital expenditures for the current and next two years, reserves, the latest balance sheet and income statement, the budget, lawsuits and judgments, insurance, known violations and other listed items (68 Pa.C.S. §3407(a) for condominiums, §5407(a) for planned communities). The association must furnish the certificate within 10 days of the owner's request (§§3407(b), 5407(b)). The buyer is not liable for unpaid assessments above the amount on the certificate, and the contract is voidable by the buyer until the certificate is provided and for five days after, or until conveyance (§§3407(c)–(d), 5407(c)–(d)).
What the law requires
Who gives it
The selling owner, before the contract or otherwise before conveyance (§§3407(a), 5407(a)).
What's in it
Declaration, bylaws, rules and a certificate: assessments and arrears, other fees, capital plans for 3 years, reserves, financials, budget, suits, insurance, known violations, leasehold and master-association details.
Association deadline
10 days after the owner's request (§§3407(b), 5407(b)).
Buyer protection
Not liable for unpaid assessments above the certificate's amount (§§3407(c), 5407(c)).
Buyer's right to void
Until the certificate is provided and 5 days after, or conveyance if earlier (§§3407(d), 5407(d)).
Seller protection
Not liable for the association's errors or delay in the certificate (§§3407(b)–(c), 5407(b)–(c)).
Steps for the listing side
- Request the certificate from the association as soon as the home is listed – it has 10 days.
- Deliver the full package to the buyer and get a dated receipt.
- Put the 5-day voidability window on the calendar from that receipt date.
What the TC watches
- A late certificate keeps the buyer's right to void open – and it moves with the delivery date.
- Unpaid assessments on the certificate, so they are paid at closing.
- Capital expenditures planned for the next two years – a likely buyer question.
Questions buyers and sellers ask
How long does a Pennsylvania HOA have to provide a resale certificate?
10 days after the unit owner's request (68 Pa.C.S. §5407(b); §3407(b) for condominiums).
Can a Pennsylvania buyer cancel after receiving the resale certificate?
Yes. The contract is voidable until the certificate is provided and for five days afterward, or until conveyance (§§3407(d), 5407(d)).
Is the buyer liable for unpaid HOA dues not on the certificate?
No. The buyer is not liable for unpaid assessments or fees above the amount stated in the certificate (§§3407(c), 5407(c)).
Related guides
Track the certificate request, delivery and the buyer's 5-day window as tasks with an owner and due date in ClosingCode, with the package stored on the deal.
Start free trialSource: 68 Pa.C.S. §§3407 and 5407 (palegis.us, 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.