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Prorated HOA Calculator
HOA dues are prorated at closing between buyer and seller based on the closing day. This calculator handles both cases: seller pre-paid the month (buyer owes a reimbursement) or seller had not yet paid (seller credits buyer).
Credit TO seller at closing
$203
buyer reimburses seller
Credit TO buyer at closing
$0
seller credits buyer
Daily HOA dues
$12.67
Seller's share
$177
Buyer's share
$203
How the math works
HOA dues are typically billed monthly and must be prorated at closing. If the seller has already paid the full month, the buyer reimburses their share from the closing day forward. If dues are unpaid, the seller credits the buyer for the pre-closing portion, and the buyer pays the full bill when due.
Annual and quarterly HOA fees follow the same logic on a longer time horizon. Always check whether there are pending special assessments — those typically follow the title (stay with the property) unless negotiated otherwise in the purchase contract.
How to Use
- Enter the monthly HOA dues for the unit.
- Set the number of days in the closing month.
- Enter the day of the month closing takes place.
- Pick which side owns the closing day per contract.
- Indicate whether the seller has already paid this month's HOA.
Frequently Asked Questions
Who owns the closing day?
It varies by contract. Most California contracts give the buyer ownership of closing day. Other states often give it to the seller. Check your purchase contract — it controls.
What if HOA is billed quarterly?
Same logic, just on a 90-day cycle. Divide the quarterly bill by 90 (or actual days) to get daily rate, then multiply by each party's share of days.
Are HOA transfer fees prorated too?
No. Transfer fees (one-time) are typically paid by the buyer (or whoever is named in the contract) and are not prorated. Only recurring dues are prorated.
What about special assessments?
Special assessments usually run with the title — whoever owns when billed pays. Negotiate in the purchase contract if a special assessment is pending at closing.
Related Calculators
HOA Calculator
Calculate HOA dues and total housing cost.
HOA Reserve Calculator
HOA reserve fund adequacy.
HOA Special Assessment Calculator
Special assessment sizing.
Closing Cost Calculator
Total buyer closing costs.
Tax Proration Calculator
Property tax proration at closing.
Insurance Proration Calculator
Homeowners insurance proration.
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