HOA Liens and Foreclosure in California
Whether a homeowners or condo association can foreclose on its lien for unpaid dues in California, and the limits.
Short answer: Yes, with limits. A homeowners' association cannot foreclose (judicially or nonjudicially) to collect delinquent assessments of less than $1,800 (not counting late charges, fees, collection costs, attorney's fees or interest) unless the assessments are more than 12 months delinquent; Cal. Civ. Code §§ 5720, 5715
| HOA liens and foreclosure | Yes, with limits. A homeowners' association cannot foreclose (judicially or nonjudicially) to collect delinquent assessments of less than $1,800 (not counting late charges, fees, collection costs, attorney's fees or interest) unless the assessments are more than 12 months delinquent; smaller debts can be pursued in small claims court or by other means. A nonjudicial foreclosure by an association is subject to a 90-day right of redemption after the sale. Source: Cal. Civ. Code §§ 5720, 5715 |
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More California foreclosure & homeowner law
- How Foreclosure Works in California
- Redemption and Deficiency Judgments in California
- Getting Your Home Back After a Tax Sale in California
- All California foreclosure & homeowner law rules
FAQ
Can an HOA foreclose on your home in California?
Yes, with limits. A homeowners' association cannot foreclose (judicially or nonjudicially) to collect delinquent assessments of less than $1,800 (not counting late charges, fees, collection costs, attorney's fees or interest) unless the assessments are more than 12 months delinquent; smaller debts can be pursued in small claims court or by other means. A nonjudicial foreclosure by an association is subject to a 90-day right of redemption after the sale.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.