Florida HOA Disclosure Summary: A Seller's Guide

If your home is in a homeowners association, Florida law requires you to give buyers an HOA disclosure summary before they sign the contract.

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What to know

What the disclosure summary saysIt tells the buyer the home is in an HOA, that membership is mandatory, that assessments and covenants apply, and what the current assessments are.…

It tells the buyer the home is in an HOA, that membership is mandatory, that assessments and covenants apply, and what the current assessments are. It's a short, standard form.

What happens if you skip itIf the summary isn't given before the contract is signed, the buyer can cancel the contract within a short window after receiving it, or before…

If the summary isn't given before the contract is signed, the buyer can cancel the contract within a short window after receiving it, or before closing. That can undo a sale late in the process, so give it up front.

Disclosure summary vs. estoppel letterHOA disclosure summary Estoppel letter Who prepares it The seller (standard form) The association When Before the contract Before closing What it…

	HOA disclosure summary	Estoppel letter
Who prepares it	The seller (standard form)	The association
When	Before the contract	Before closing
What it shows	That an HOA exists, and the fees	Exact amounts owed, approved assessments

See the estoppel letter guide. With Listagogo, the broker prepares your listing disclosures, including the HOA summary when it applies.

Questions, answered

When do I give the HOA disclosure summary?Before the buyer signs the contract.

Before the buyer signs the contract.

What if I forget to give it?The buyer may be able to cancel the contract after receiving it late, so give it up front.

The buyer may be able to cancel the contract after receiving it late, so give it up front.

Is the HOA disclosure the same as an estoppel?No. The summary comes from the seller before the contract; the estoppel comes from the association before closing.

No. The summary comes from the seller before the contract; the estoppel comes from the association before closing.

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Updated October 2026. General information, not legal or tax advice.