Massachusetts HOA Documents – Rules & Templates (2026 Guide)

⚠ Not Legal Advice. This guide is for informational purposes only. Consult a licensed Massachusetts attorney for legal advice.

Massachusetts HOA Overview

Strong condo statute but no dedicated HOA statute for planned communities. HOAs are governed by their declarations and general law. The primary condo document is called a "Master Deed" rather than CC&Rs.

State-Specific Document Requirements

Master Deed

Mass. Gen. Laws Ch. 183A § 4

Mandatory

In Massachusetts, the primary governing document for a condo is called the "Master Deed" (not CC&Rs). It must be recorded at the county Registry of Deeds.

Retention: Permanent

Disclosure: Filed at the Registry of Deeds. Provided to any buyer at resale.

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Resale Certificate

Mass. Gen. Laws Ch. 183A § 11

Mandatory10 days

Trustees must provide a resale certificate ("6(d) Certificate") within 10 days of written request. Certifies that all condo fees are paid.

Retention: 5 years

Disclosure: Provided to buyer within 10 days of request.

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Massachusetts-Specific Documents

6(d) Certificate

Mandatory

Mass. Gen. Laws Ch. 183A § 6(d)

A certificate from the condominium trust certifying that all common expenses and assessments have been paid. Required for any resale closing. The "MA equivalent" of an estoppel certificate.

⚠ Condos only.

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