Washington HOA Overview
Budget must be "ratified" by owners each year; if the board adopts a budget that increases dues by more than 10%, owners can veto. RCW 64.90 (2018) is a modern UCIOA-derivative covering new communities.
State-Specific Document Requirements
Ratified Annual Budget
RCW 64.38.025
If the board adopts a budget that increases the regular assessments by more than 20% above the previous year, or imposes a special assessment exceeding 5% of the annual budget, the budget is subject to owner "veto" if a petition signed by 10% of owners is filed within 30 days.
Reserve Study
RCW 64.34.382 (Condo)
Condos must maintain reserve studies and fund reserves. HOAs under RCW 64.38 are encouraged but not universally mandated to maintain reserve studies.
Resale Certificate
RCW 64.34.425 (Condo), RCW 64.38.045 (HOA)
Must be provided within 10 business days of written request. Must include: declaration, bylaws, rules, current budget, reserve study summary, and disclosure of any pending assessments, violations, or litigation.
Washington-Specific Documents
Owner Veto Petition
RCW 64.38.025
If the board adopts a budget increasing assessments by more than 20%, owners may file a petition signed by 10% of owners within 30 days to call a special meeting to veto the budget.
⚠ Triggered only when budget increase > 20%.
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