06/16/2026
The Estoppel Letter
What Is It & How Much Does It Cost &
How Long Does It Take To Get?
An estoppel letter/certificate is used to facilitate a closing by providing a snapshot of the fees or assessments that a seller may owe to their home owners association (HOA). In Florida, purchasers are jointly and severally liable with the previous owner for dues and assessments owed to the association. Therefore, when someone buys a property located within a condominium or homeowner’s association, they need to know what is owed so that amount may be collected from the seller and applied at closing. In most instances, the seller is current in their community association dues and assessments.
In 2017, Senate Bill 398 amended Florida Statutes to place a cap on the maximum amount that a community association or community association management company may charge for the preparation and delivery of an estoppel certificate. The maximum fee structure was as follows:
For non-delinquent accounts, the association may charge no more than $250.
For delinquent accounts, the association may charge up to an additional fee of $150.
If the estoppel certificate is requested on an expedited basis, the association may charge an additional fee of $100. (not all offer this)
In 2022 It was updated to $299/$179/$119
Estoppel charges can change every five years. Next update will be in the summer of 2027
Al Sherman
954-648-7769
[email protected] / www.closewithbell.com
