Agent-Free Condo Buying Guide
Buy a Condo Without a Buyer's Agent
State-by-state guidance on HOA financials, FHA & VA approved buildings, special assessments, and closing — so you keep the commission.
50 States
State-by-State Guidance
FHA & VA
Approved Buildings Info
$0
Buyer Agent Fee
3 Things Every Condo Buyer Must Check
Unlike a single-family home, buying a condo means buying into the association. These three checks protect you from costly surprises.
HOA Financials
Request the current budget, reserve fund balance, and the last 2 years of meeting minutes. A healthy reserve (20%+ funded) signals a well-managed building with lower risk of surprise assessments.
FHA/VA Approval Status
If you plan to use FHA or VA financing, the entire building must be approved — not just the unit. Check the HUD condo lookup database before making an offer. Approval can be lost or expired.
Special Assessments History
Special assessments are one-time charges for major repairs not covered by reserves — roof replacement, elevator overhauls, structural work. Ask for the last 5 years of assessment history and any pending votes.
Tools & Trusted Partners
Services we recommend for agent-free condo buyers. Affiliate links help keep this site free.
Compare condo mortgage rates from multiple lenders in minutes. Includes FHA and VA condo loan options. Free with no obligation.
Compare rates →Book a certified inspector who knows condo-specific issues: HVAC units, shared walls, balconies, and building envelope. Vetted local pros.
Find an inspector →Free Official Resources (Informational)
HUD Condo Lookup
The official HUD database of FHA-approved condo buildings. Search by state, city, or zip code to confirm whether a building is currently approved before making an FHA-financed offer.
Search HUD condo lookup →NOLO Condo Buying Guide
NOLO's plain-English guide to buying a condo: what to look for in HOA docs, how to evaluate the association's health, and what questions to ask before closing.
Read NOLO guide →Disclosure: Some links on this page are affiliate links. CondoHub may earn a commission if you click through and make a purchase, at no extra cost to you. This helps keep the site free. We only recommend services we believe are genuinely useful.
Browse by State
Select your state for condo-specific HOA laws, FHA/VA approval info, special assessment rules, and transfer taxes.