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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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Are condo/co-op fees or homeowners’ association dues included in my monthly mortgage payment?

Answer:

Usually not. Condo/co-op fees or homeowners’ association dues are usually paid directly to the homeowners’ association (HOA) and are not included in the payment you make to your mortgage servicer. 

Condominiums, co-ops, and some neighborhoods may require you to join the local homeowners’ association and pay dues (HOA dues).

Although not common, your mortgage servicer may be willing to include your HOA dues in the escrow portion of your monthly mortgage payment upon request.

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