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Are HOA, condo, or co-op fees included in my monthly mortgage payment?

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Short answer

Usually not. The CFPB says condo, co-op, and homeowners’ association dues are typically paid straight to the association, not as part of the amount sent to the mortgage servicer. It is uncommon, but a servicer may agree, if asked, to collect those dues through escrow.

Full explanation

Condo fees, co-op fees, and homeowners’ association dues are usually billed by the association and paid separately from the monthly mortgage. The CFPB says they are ordinarily not included in the payment sent to the mortgage servicer.
Some condominiums, co-ops, and neighborhoods require membership and dues. The CFPB notes that those dues can run from several hundred dollars monthly to over a thousand. That range is an illustration, not a national fee schedule. Factor the association cost in when judging whether a purchase or refinance payment is affordable.
Although it is not common, the CFPB says a servicer may be willing, upon request, to include the dues in the escrow portion of the monthly mortgage payment. Unless that arrangement is in place, budget the association bill as a separate housing cost.

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Educational summary of public sources. Not personalized advice. The original official source controls where applicable.

Last reviewed

September 10, 2026

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