Super-Priority Lien Calculators

Alabama Condo & HOA

Alabama Condo Assessment Lien Super-Priority Calculator — § 35-8A-316(b) Six-Month Super-Priority

Compute the Alabama condominium association assessment-lien super-priority breakdown under the Alabama Uniform Condominium Act (Ala. Code § 35-8A-101 et seq.). Models § 35-8A-316(a) automatic lien attachment, § 35-8A-316(b) six-month super-priority over a prior first mortgage based on the periodic budget, § 35-8A-316(c) perfection by recordation of the declaration, § 35-8A-316(d) three-year lien statute of limitations, and § 35-8A-316(e) cumulative money-judgment remedy. Returns the super-priority dollar amount, sub-priority remainder, total outstanding, and recovery posture.

Alaska Common Interest Community

Alaska UCIOA Assessment Lien Super-Priority Calculator — Six-Month Window (AS 34.08.470)

Compute the super-priority and sub-priority breakdown of an Alaska common interest community assessment lien under the Alaska Uniform Common Interest Ownership Act (AS 34.08.010 et seq.; adopted UCIOA verbatim). Models AS 34.08.470(a) automatic statutory lien; AS 34.08.470(b) six-month super-priority over the recorded first mortgage; AS 34.08.470(c) reasonable costs and attorney fees recoverable as sub-priority unless the declaration provides otherwise; and AS 34.20.070 et seq. Alaska nonjudicial deed-of-trust foreclosure framework available when the declaration grants power of sale. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Connecticut HOA

Connecticut CIOA Assessment Lien Super-Priority Calculator — Nine-Month UCIOA Adoption

Compute the super-priority and sub-priority breakdown of a Connecticut HOA / condominium assessment lien under the Connecticut Common Interest Ownership Act (CIOA, CGS Sec. 47-200 through 47-295). Models CGS Sec. 47-258(a) statutory lien; CGS Sec. 47-258(b) nine-month super-priority over the first mortgage with reasonable attorney fees and costs statutorily included (a Connecticut-distinguishing feature confirmed in Anderson v. Whitten and Wilton Crest Condo. v. Stern); and CGS Sec. 47-258(j) priority confirmation. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

D.C. Condominium

DC Condo Assessment Lien Super-Priority Calculator

Compute the District of Columbia condominium association assessment-lien split between the six-month super-priority portion (DC Official Code § 42-1903.13(a)(2), priority over first mortgages of record) and the sub-priority portion under the DC Condominium Act (DC Official Code Title 42, Chapter 19). Returns the super-priority dollar amount, the sub-priority dollar amount, an equity estimate from market value minus the first mortgage balance, and a recovery-probability classification (strong, mixed, weak) for the collection file.

Delaware Common Interest Community

DUCIOA Assessment Lien Super-Priority Calculator — Six-Month Delaware Window (25 Del. C. § 81-316)

Compute the super-priority and sub-priority breakdown of a Delaware common interest community assessment lien under the Delaware Uniform Common Interest Ownership Act (DUCIOA, 25 Del. C. § 81-101 et seq.; adopted UCIOA verbatim). Models 25 Del. C. § 81-316(a) automatic statutory lien; § 81-316(b) six-month super-priority over the recorded first mortgage; § 81-316(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 81-316(j) judicial foreclosure under 10 Del. C. § 5061 et seq. with a 3-day post-sale confirmation window under 10 Del. C. § 5065. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Hawaii Condo

Hawaii Condo Assessment Lien Super-Priority Calculator

Compute the Hawaii condominium association assessment-lien split between the six-month super-priority portion (HRS 514B-146(g), priority over first mortgages of record) and the sub-priority portion under the Hawaii Condominium Property Act (HRS Chapter 514B). Returns the super-priority dollar amount, the sub-priority dollar amount, an equity estimate from market value minus the first mortgage balance, and a recovery-probability classification (strong, mixed, weak) for the collection file.

Illinois HOA

Illinois Condo Super-Priority Lien Payoff Calculator

Compute the Illinois condominium super-priority lien payoff amount under 765 ILCS 605/9(g)(3): the lesser of six months of common-expense assessments or the actual delinquency. Returns the super-priority cap, the amount the mortgagee must pay to extinguish the association's senior lien, the regular (subordinate) lien balance remaining after payoff, and whether the full delinquency falls within the six-month super-priority cap.

Maine Condo

Maine Condominium Assessment Lien Super-Priority Calculator — Six-Month Window (33 M.R.S. § 1603-116)

Compute the super-priority and sub-priority breakdown of a Maine condominium assessment lien under the Maine Condominium Act (33 M.R.S. § 1601-101 et seq.; UCIOA-derived framework). Models 33 M.R.S. § 1603-116(a) automatic statutory lien; § 1603-116(b) six-month super-priority over the recorded first mortgage; § 1603-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 1603-116(j) foreclosure mechanism channeled into Maine judicial foreclosure under 14 M.R.S. § 6321 et seq. (Maine abolished nonjudicial power-of-sale foreclosure decades ago). Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Maryland Condo & HOA

Maryland Condo Assessment Lien Super-Priority Calculator — Four-Month Window Under Md. RP Sec. 11-110(d)

Compute the super-priority and sub-priority breakdown of a Maryland condominium assessment lien under the Maryland Condominium Act (Md. Code, Real Property Article Title 11). Models Md. RP Sec. 11-110(a) statutory lien; Md. RP Sec. 11-110(d) FOUR-MONTH super-priority over the first mortgage (assessments only — Maryland does NOT include attorney fees in super-priority, unlike Connecticut); Md. RP Sec. 11-110(e) statement-of-lien recordation; and Md. RP Sec. 11-110(j) judicial foreclosure. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Massachusetts Condo

Massachusetts Condo Assessment-Lien Super-Priority Calculator (M.G.L. c.183A § 6(c))

Compute the six-month super-priority dollar amount, the cumulative rolling-lien recovery available under Drummer Boy Homes Ass'n v. Britton (Mass. 2016), and the projected recovery against the first mortgagee for a delinquent Massachusetts condominium unit under M.G.L. c.183A § 6(c). Models the six-month assessment window, reasonable attorney's fees, and enforcement costs that compose the super-priority amount; projects rolling re-record recoveries across successive enforcement windows; and reports practical strategy guidance for the board treasurer and association counsel.

Minnesota Common Interest Community

MCIOA Assessment Lien Super-Priority Calculator — Six- or Twelve-Month Minnesota Window (Minn. Stat. Sec. 515B.3-116)

Compute the super-priority and sub-priority breakdown of a Minnesota common interest community assessment lien under the Minnesota Common Interest Ownership Act (MCIOA, Minn. Stat. Ch. 515B). Models Minn. Stat. Sec. 515B.3-116(a) automatic statutory lien; Sec. 515B.3-116(b) six-month default super-priority over the recorded first mortgage; Sec. 515B.3-116(b) twelve-month expanded super-priority unique to Minnesota when the association gives the first mortgagee written notice of the delinquency at least 90 days before the enforcement action; Sec. 515B.3-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and Sec. 515B.3-116(g) nonjudicial foreclosure by advertisement under Minn. Stat. Ch. 580 if the declaration grants power of sale. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Minnesota HOA & Condo

Minnesota MCIOA Super-Priority Lien Calculator — Minn. Stat. § 515B.3-116

Compute the Minnesota MCIOA super-priority lien amount under Minn. Stat. § 515B.3-116: the lesser of six months of periodic common expense assessments or the actual delinquency. Flags two major Minnesota distinctions — (1) attorney fees are NOT in the MN super-priority (contrast NJ), and (2) non-judicial power-of-sale foreclosure is available under Minn. Stat. § 515B.3-116(b) and § 580 (a rare and significant advantage over most states that require judicial foreclosure).

Missouri Condo

Missouri Condo Assessment Lien Super-Priority Calculator — Six-Month Window (Mo. Rev. Stat. Sec. 448.3-116)

Compute the super-priority and sub-priority breakdown of a Missouri condominium assessment lien under the Missouri Uniform Condominium Act (Mo. Rev. Stat. Ch. 448). Models Sec. 448.3-116.1 automatic statutory lien; Sec. 448.3-116.2 six-month default super-priority over the recorded first mortgage or deed of trust; Sec. 448.3-116.3 reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and the Mo. Rev. Stat. Ch. 443 deed-of-trust foreclosure framework available where the declaration grants a power of sale. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Nevada HOA

Nevada HOA Super-Priority Lien Calculator

Allocate a Nevada community-association lien under NRS 116.3116(2)(b) into its super-priority piece (the nine-month carve-out that is senior to the first deed of trust and that, if foreclosed nonjudicially, extinguishes the first DOT under SFR Investments Pool 1 LLC v. U.S. Bank, N.A., 130 Nev. 742 (2014)) and its sub-priority piece (assessments above nine months, late fees, fines, interest, collection costs — junior to the first DOT). Reports the super-priority dollar amount, sub-priority dollar amount, total lien, the super-priority piece as a percentage of the first-mortgage balance, the LTV, the equity cushion, and an extinguishment-risk band that flags when the first mortgagee may strategically forfeit the deed of trust rather than tender. Tool, not advice — coordinate any tender, foreclosure-sale, or super-priority allocation with Nevada-licensed collection counsel.

New Hampshire Condo

New Hampshire Condominium Assessment Lien Priority Calculator — Six-Month Limited Priority (RSA 356-B:46)

Compute the limited-priority and sub-priority breakdown of a New Hampshire condominium assessment lien under the New Hampshire Condominium Act (RSA 356-B, enacted 1977 — pre-UCIOA framework). Models RSA 356-B:46(I) automatic statutory lien; RSA 356-B:46(II) lien attachment and notice content; RSA 356-B:46(IV) limited priority over the recorded first mortgage to the extent of common-expense assessments during the six months immediately preceding enforcement (conservative reading); RSA 356-B:46(V) enforcement by foreclosure in the same manner as a mortgage (judicial OR nonjudicial power-of-sale under RSA 479 when the declaration includes a power-of-sale clause); and RSA 356-B:46(VI) recoverable attorney's fees and costs as sub-priority by default. Returns the limited-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

New Jersey HOA & Condo

New Jersey Condo Super-Priority Lien Calculator

Compute the New Jersey condominium super-priority lien amount under N.J.S.A. 46:8B-21.3. NJ is one of the broadest super-priority regimes in the country: the priority slice covers six months of common expense assessments PLUS reasonable attorney fees and collection costs — unlike Illinois (assessments only) and Massachusetts (assessments only). Returns the total super-priority amount the mortgagee must pay to extinguish the association's senior lien, the regular subordinate lien balance, and a comparison flag noting NJ's attorney-fee inclusion.

New Mexico Common Interest Community

New Mexico CIC Assessment Lien Super-Priority Calculator — Six-Month UCIOA Super-Priority (NMSA § 47-7C-316)

Compute the six-month super-priority dollar amount and sub-priority portion of a New Mexico common-interest community assessment lien under the New Mexico Condominium Act (NMSA § 47-7A-1 et seq.). New Mexico adopted the UCIOA framework; NMSA § 47-7C-316(b) creates a six-month super-priority window for unpaid common-expense assessments that is PRIOR TO the first security interest on the unit. Returns the super-priority amount, sub-priority amount, total lien, and equity-based recovery analysis. Models the automatic lien attachment at NMSA § 47-7C-316(a), the recording mechanics at NMSA § 47-7C-316(c), the reasonable-fee inclusion at NMSA § 47-7C-316(d), and the three-year statute of limitations at NMSA § 47-7C-316(e).

North Carolina HOA & Condo

North Carolina Condominium Assessment Lien Super-Priority Calculator — N.C.G.S. Sec. 47C-3-116 Nine-Month UCIOA Adoption

Compute the super-priority and sub-priority breakdown of a North Carolina condominium common-area assessment lien under the North Carolina Condominium Act (N.C.G.S. Chapter 47C). Models N.C.G.S. Sec. 47C-3-116(a) claim-of-lien recording and perfection; N.C.G.S. Sec. 47C-3-116(b) nine-month super-priority over the first deed of trust (assessments only — North Carolina condominium super-priority excludes attorney fees, the same posture as Chapter 47F planned communities and a contrast to Connecticut and Massachusetts); and N.C.G.S. Sec. 47C-3-116(e) recoverable fees and costs that fall within the sub-priority position. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

North Carolina HOA & Condo

North Carolina Planned Community Assessment Lien Super-Priority Calculator — N.C.G.S. Sec. 47F-3-116 Nine-Month UCIOA Adoption

Compute the super-priority and sub-priority breakdown of a North Carolina HOA / planned-community assessment lien under the North Carolina Planned Community Act (N.C.G.S. Chapter 47F). Models N.C.G.S. Sec. 47F-3-116(a) claim-of-lien recording and perfection; N.C.G.S. Sec. 47F-3-116(b) nine-month super-priority over the first deed of trust (assessments only — North Carolina does NOT extend the super-priority to attorney fees, contrasting Connecticut and Massachusetts); and N.C.G.S. Sec. 47F-3-116(e) recoverable fees and costs that fall within the sub-priority position. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Oregon Condo & HOA

Oregon HOA Assessment Lien Super-Priority Calculator — Six-Month Window (ORS 94.709 / ORS 100.450)

Compute the super-priority and sub-priority breakdown of an Oregon HOA / condominium assessment lien under the Oregon Planned Community Act (ORS 94.709) and the Oregon Condominium Act (ORS 100.450). Models the automatic statutory lien arising on each unpaid assessment, the six-month super-priority over the recorded first mortgage based on the periodic budget as assessments would have come due in the absence of acceleration (Oregon adopted the half-year window common across UPCA states, shorter than the model UCIOA nine months), reasonable attorneys' fees and costs statutorily included within the super-priority position, and judicial (ORS Chapter 88) or nonjudicial (Oregon Trust Deed Act, ORS 86.705-86.815) foreclosure paths. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Pennsylvania Condo & HOA

Pennsylvania UPCA / UCA Assessment Lien Super-Priority Calculator — Six-Month Window (68 Pa. C.S. Sec. 5315 / 3315)

Compute the super-priority and sub-priority breakdown of a Pennsylvania HOA or condominium assessment lien under the Pennsylvania Uniform Planned Community Act (UPCA, 68 Pa. C.S. Sec. 5101 et seq.) or the Pennsylvania Uniform Condominium Act (UCA, 68 Pa. C.S. Sec. 3101 et seq.). Models 68 Pa. C.S. Sec. 5315(a) / Sec. 3315(a) statutory association lien (automatic on each assessment); 68 Pa. C.S. Sec. 5315(b) / Sec. 3315(b) six-month super-priority over the recorded first mortgage (assessments only — Pennsylvania did NOT adopt the UCIOA attorney-fees-in-super-priority carve-out); and Sec. 5315(g) / Sec. 3315(g) judicial-foreclosure procedure. Returns super-priority and sub-priority dollar amounts, total lien net of payments, and recovery probability bands for each priority class.

Rhode Island Condo

Rhode Island Condominium Assessment Lien Super-Priority Calculator — Six-Month Window (R.I. Gen. Laws § 34-36.1-3.16)

Compute the super-priority and sub-priority breakdown of a Rhode Island condominium assessment lien under the Rhode Island Condominium Act (R.I. Gen. Laws § 34-36.1-1.01 et seq.; UCIOA-derived framework). Models R.I. Gen. Laws § 34-36.1-3.16(a) automatic statutory lien; § 34-36.1-3.16(b) six-month super-priority over the recorded first mortgage; § 34-36.1-3.16(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 34-36.1-3.16(j) foreclosure mechanism authorizing both judicial and nonjudicial power-of-sale foreclosure under R.I. Gen. Laws § 34-27. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Vermont Common Interest Community

VCIOA Assessment Lien Super-Priority Calculator — Six-Month Vermont Window (27A V.S.A. § 3-116)

Compute the super-priority and sub-priority breakdown of a Vermont common interest community assessment lien under the Vermont Common Interest Ownership Act (VCIOA, 27A V.S.A. § 1-101 et seq.; adopted UCIOA verbatim). Models 27A V.S.A. § 3-116(a) automatic statutory lien; § 3-116(b) six-month super-priority over the recorded first mortgage; § 3-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 3-116(j) judicial foreclosure under 12 V.S.A. § 4528 et seq. with a mandatory 90-day cure period. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Washington Condo & HOA

Washington Condominium Act Assessment Lien Super-Priority Calculator (RCW 64.34.364) — 1990-2018 Cohort

Compute the super-priority and sub-priority breakdown of a Washington condominium assessment lien under the Washington Condominium Act (RCW 64.34), the predecessor regime that still governs condominium projects formed between July 1, 1990 and June 30, 2018. Models RCW 64.34.364(1) automatic statutory lien; RCW 64.34.364(3) six-month super-priority over the recorded first mortgage (the same six-month math WUCIOA inherited in 2018); RCW 64.34.364(4) reasonable attorneys' fees and costs statutorily included within the super-priority position; and RCW 64.34.364(8) judicial or nonjudicial foreclosure path under the Deed of Trust Act. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

Washington Condo & HOA

WUCIOA Assessment Lien Super-Priority Calculator — Six-Month Washington Window (RCW 64.90.485)

Compute the super-priority and sub-priority breakdown of a Washington common interest community assessment lien under the Washington Uniform Common Interest Ownership Act (WUCIOA, RCW 64.90, applicable to projects formed on or after July 1, 2018). Models RCW 64.90.485(1) automatic statutory lien; RCW 64.90.485(3) six-month super-priority over the recorded first mortgage (Washington chose half the UCIOA nine-month model in a 2018 lender-protective compromise); RCW 64.90.485(4) reasonable attorneys' fees and costs statutorily included within the super-priority position; and RCW 64.90.485(10) judicial or nonjudicial foreclosure path. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.

West Virginia Common Interest Community

WVUCIOA Assessment Lien Super-Priority Calculator — Six-Month West Virginia Window (W. Va. Code § 36B-3-116)

Compute the super-priority and sub-priority breakdown of a West Virginia common interest community assessment lien under the West Virginia Uniform Common Interest Ownership Act (WVUCIOA, W. Va. Code § 36B-1-101 et seq.; UCIOA-derived framework). Models W. Va. Code § 36B-3-116(a) automatic statutory lien; § 36B-3-116(b) six-month super-priority over the recorded first mortgage; § 36B-3-116(c) reasonable costs and attorneys' fees recoverable as sub-priority unless the declaration provides otherwise; and § 36B-3-116(j) nonjudicial trustee-sale foreclosure under W. Va. Code § 38-1-1 et seq. Returns the super-priority and sub-priority dollar amounts, the total lien net of payments, and the recovery probability bands for each priority class.