HOA report options, compared
What each kind of HOA report costs, who it is for, what you need before it can start, how fast it is, and what it cannot do.
| Product | Price | Who it's for | What you need first | How fast | What it can't do |
|---|---|---|---|---|---|
| freehoareport.com | Free | Home buyers, before an offer | An address or a Zillow link. No account, no documents. | Instant | It is not a closing document. It reads public sources only, so it cannot see private HOA records, and nothing here is certified by the manager. |
| HOA Health Score | Buyer reports starting at $39 | Home buyers | An HOA in their database — they report covering 350+ cities. | Online | Coverage is their database, not any address. It is not a closing document. |
| HOA Report (hoareport.us) | No price published — free during its early launch period, per its FAQ; paid options may be added later | Buyers, owners, Realtors | The HOA's own documents — budget, reserve study, financial statements, estoppel — to upload. | After you upload documents | It cannot start until you have the documents, which a buyer usually receives only after going under contract. It is not a closing document. |
| HOA Verity | $199, including a 30-minute expert consultation | Home buyers | HOA documents to upload. | 48 hours | Needs your documents first, and costs $199 per report. It is not a closing document. |
| CIDA Report | $595 | Home buyers | An order — the report is written by CIDA's human analysts. | 5 calendar days | Costs $595 per home and takes days. It is not a closing document. |
| Closing documents (estoppel / resale certificate) | Typically $150–$500, paid by the seller at closing. Ordered through portals such as HomeWiseDocs and CondoCerts; retrieval services such as Rexera (formerly InspectHOA) chase them for title companies. | Sellers, title companies, lenders — required to close the sale | A sale in progress. The title company orders it from the HOA or its manager. | Days — Florida, for example, allows 10 business days | It exists only once a home is selling, so it cannot help you decide whether to make an offer. It certifies balances and facts for the transaction; it does not grade the HOA's health. |
Competitor prices and details as published by each company and checked October 2026. HOA Health Score's coverage and report counts are self-reported on its homepage (25,842 HOAs analyzed; 12,591 buyer reports generated). The $150–$500 closing-document range is the typical estoppel fee range reported by LegalClarity; the association or manager sets the actual fee within state caps.
Where they beat us
Certified closing documents. When you are under contract, your lender and title company require an estoppel or resale certificate certified by the HOA or its manager. Only the association can issue it. Nothing on this site substitutes for it, and no grade here satisfies a lender.
Private documents. Reports that work from documents you upload can read budgets, reserve studies, and minutes that were never posted publicly. We read only what is public. If an HOA keeps its records offline, our picture of it is thinner — the source count next to the grade says how much was found.
Human judgment. CIDA Report and HOA Verity put a human analyst or expert on the report — someone who can weigh context and answer your questions, in HOA Verity's case on a 30-minute call. Ours is compiled automatically from public sources, the same way for every HOA.
Lender questionnaires. If a lender requires a completed condo questionnaire, for example for a Fannie Mae project review, that comes from the manager through the closing process. We do not produce it.
Where we're the right tool
- Free. No account, no card, no per-report charge — check every home you are considering, not just one.
- Before the offer. The grade exists at the stage where you are still deciding, which is when the information can change what you do.
- Nothing needed first. No documents to upload, because at this stage you do not have them.
- Any address. Every HOA is graded from public sources with the same method, and the HOAs nearby are graded the same way, so you can compare.