HOA Liens and Foreclosure in Washington
Whether a homeowners or condo association can foreclose on its lien for unpaid dues in Washington, and the limits.
Short answer: Yes. Under the Washington Uniform Common Interest Ownership Act, an association's lien for unpaid assessments can be foreclosed in court like a mortgage (subject to redemption rights), or non-judicially like a deed of trust if the declaration contains a power of sale and meets other… RCW 64.90.485(13), (21), (22); RCW 61.24.155; RCW 61.24.163(3)
| HOA liens and foreclosure | Yes. Under the Washington Uniform Common Interest Ownership Act, an association's lien for unpaid assessments can be foreclosed in court like a mortgage (subject to redemption rights), or non-judicially like a deed of trust if the declaration contains a power of sale and meets other requirements. An association may not start a foreclosure unless the owner owes at least the greater of three months of assessments or $2,000 of assessments (not counting fines, late charges, interest, attorney's fees or collection costs), and it must first mail required delinquency and pre-foreclosure notices. Board members and their families may not buy the unit at the association's foreclosure sale. Owners can get help from a housing counselor, and some association foreclosures can be referred to mediation. |
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More Washington foreclosure & homeowner law
- How Foreclosure Works in Washington
- Redemption and Deficiency Judgments in Washington
- Getting Your Home Back After a Tax Sale in Washington
- All Washington foreclosure & homeowner law rules
FAQ
Can an HOA foreclose on your home in Washington?
Yes. Under the Washington Uniform Common Interest Ownership Act, an association's lien for unpaid assessments can be foreclosed in court like a mortgage (subject to redemption rights), or non-judicially like a deed of trust if the declaration contains a power of sale and meets other requirements. An association may not start a foreclosure unless the owner owes at least the greater of three months of assessments or $2,000 of assessments (not counting fines, late charges, interest, attorney's fees or collection costs), and it must first mail required delinquency and pre-foreclosure notices. Board members and their families may not buy the unit at the association's foreclosure sale. Owners can get help from a housing counselor, and some association foreclosures can be referred to mediation.
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.