Skip to main content

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

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.

Take the next step

Buying a House

We've built tools to help you understand the mortgage process and compare options.

Visit our "Buying a House" guide

Was this answer helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.