Can the HOA payoff be handled at closing when I sell?

• The title or closing agent requests an estoppel certificate, and the association must issue it within 10 business days of the request (Fla. Stat. 720.30851 for HOAs, 718.116(8) for condominiums).
• The certificate states the dues, assessments and fees owed through a stated date. The closing agent pays that amount from the sale, and the buyer takes the property with the account current.
• Who pays the estoppel fee itself is set by the sale contract.
• If you are behind on dues, raise it when you list, not at closing, so the figure is known before you set your price.

This answer explains the general process in Florida. It is not legal or tax advice; for your situation, rely on a Florida attorney or CPA of your choice.