Reviewed against N.J.S.A. 46:8B-9(m)/(n) (NJ Condominium Act

New Jersey Condo Resale Disclosure Calculator — N.J.S.A. 46:8B-9 & 45:22A-26.1

Compute the New Jersey condominium and planned-community resale disclosure timeline under N.J.S.A. 46:8B-9(m)/(n) (Condominium Act) and N.J.S.A. 45:22A-26.1 (PREDFDA). The association must deliver required documents within 10 business days (approximately 14 calendar days) of request. The buyer has a 7-calendar-day rescission right after receipt. NJ has NO statutory cap on the disclosure fee. Returns the document delivery deadline, delivery status, rescission window open/close dates, closing-vs.-rescission risk, and a fee note.

Calculator

Adjust the inputs below; the result updates instantly.

Association

Association type

Select condominium (N.J.S.A. 46:8B-9(m)/(n)) or planned community (N.J.S.A. 45:22A-26.1, PREDFDA). Both frameworks have similar 10-business-day delivery windows and 7-day buyer rescission rights; the selection drives the statute citation in the output.

Timeline

Date of document request (YYYY-MM-DD)

The date on which the buyer, seller, or closing attorney submitted the document request to the association. The 10-business-day / 14-calendar-day estimated delivery deadline runs from this date under N.J.S.A. 46:8B-9(m)/(n).

Date documents were delivered to buyer (YYYY-MM-DD — blank if not yet delivered)

The date the association delivered the required resale disclosure documents to the buyer. The buyer's 7-calendar-day rescission right runs from this date. Leave blank if documents have not yet been delivered.

Scheduled closing date (YYYY-MM-DD)

The scheduled closing date for the unit sale. The calculator checks whether closing is scheduled before the 7-day rescission period expires — closing before the rescission window closes creates a risk unless the buyer waives the rescission right in writing.

Fee

Fee charged by the association for disclosure documents (USD)

Timeline

As-of date for deadline calculations (YYYY-MM-DD)

The date from which to compute "days remaining" and overdue status — typically today's date.

Disclosure status

DOCUMENTS PENDING — association has 14 calendar day(s) to deliver required disclosure documents by 2026-06-02 under N.J.S.A. 46:8B-9(m)/(n) (10-business-day / 14-calendar-day estimated window). Buyer's 7-day rescission period (N.J.S.A. 46:8B-9(m)) cannot begin until documents are received.

Document delivery deadline: 2026-06-02
Documents overdue?: NOT YET DUE — delivery deadline is 2026-06-02; 14 calendar day(s) remaining.
Days until delivery deadline: 14
Buyer rescission deadline: Unknown — documents not yet delivered
Rescission days remaining: 0
Rescission window status: NOT STARTED — buyer's 7-calendar-day rescission period begins on the date documents are delivered. Documents have not been delivered yet.
Closing-before-rescission risk: RISK UNKNOWN — closing is scheduled for 2026-06-15 but documents have not been delivered yet. The rescission window cannot begin until documents are delivered. Closing cannot occur until after the 7-day rescission period expires under N.J.S.A. 46:8B-9(m)/(n).
Fee note (no NJ statutory cap): Fee of $350.00 is within the typical NJ market range of $200–$500. Note: NJ has no statutory cap under N.J.S.A. 46:8B-9(m)/(n); the fee must be "reasonable" under common law.
Summary: NJ condominium / planned-community resale disclosure analysis under N.J.S.A. 46:8B-9(m)/(n). Request date: 2026-05-19. Delivery deadline (estimated): 2026-06-02 (10 business days / 14 calendar days). Documents delivered: Not yet delivered. Delivery status: NOT YET DUE — delivery deadline is 2026-06-02; 14 calendar day(s) remaining. Rescission window: NOT STARTED — buyer's 7-calendar-day rescission period begins on the date documents are delivered. Documents have not been delivered yet. Closing vs. rescission: RISK UNKNOWN — closing is scheduled for 2026-06-15 but documents have not been delivered yet. The rescission window cannot begin until documents are delivered. Closing cannot occur until after the 7-day rescission period expires under N.J.S.A. 46:8B-9(m)/(n). Fee: Fee of $350.00 is within the typical NJ market range of $200–$500. Note: NJ has no statutory cap under N.J.S.A. 46:8B-9(m)/(n); the fee must be "reasonable" under common law. DISCLOSURE STATUS: DOCUMENTS PENDING — association has 14 calendar day(s) to deliver required disclosure documents by 2026-06-02 under N.J.S.A. 46:8B-9(m)/(n) (10-business-day / 14-calendar-day estimated window). Buyer's 7-day rescission period (N.J.S.A. 46:8B-9(m)) cannot begin until documents are received.

Tools to go with this

Need a New Jersey resale disclosure request letter template or a buyer rescission notice?

Fennec Press's New Jersey condominium resale bundle includes the N.J.S.A. 46:8B-9 document request letter template (for buyers, sellers, and closing attorneys), the disclosure document checklist (master deed, bylaws, house rules, financial statements), the buyer's 7-day rescission notice template, the association's document production tracking worksheet, and a fee authorization and delivery confirmation form.

Open Fennec Press New Jersey HOA bundle→

Fennec Press is our sister site. Outbound link is UTM-tagged and disclosed.

How this calculator works

This calculator implements the New Jersey condominium and planned-community resale disclosure timeline under N.J.S.A. 46:8B-9(m)/(n) (Condominium Act) and N.J.S.A. 45:22A-26.1 (PREDFDA, planned communities). Given the request date, documents delivered date, closing date, fee, and the as-of date, it returns:

The document delivery deadline — request date + 14 calendar days (conservative estimate for 10 business days).
Documents overdue status — whether the association is late on producing the package.
Days until the delivery deadline.
The buyer's rescission deadline — delivery date + 7 calendar days.
The rescission window status — open, closed, or not yet started.
Closing-before-rescission risk — whether the scheduled closing precedes the rescission window closing.
A fee note — confirming NJ has no statutory fee cap and comparing the charged fee to market range.
A primary disclosure status string summarizing the overall timeline state.

The NJ statute framework

N.J.S.A. 46:8B-9(m)/(n) governs New Jersey condominium resale disclosure:

The seller must provide the buyer with: (1) a copy of the master deed, (2) bylaws, (3) house rules, and (4) the association's most recent financial statements.
The association must produce these documents within 10 business days of a request.
The buyer has a 7-calendar-day rescission right after receiving the documents. The 7 days run from delivery — not from the contract date.
No statutory fee cap — the association may charge a reasonable fee. NJ market practice: $200–$500.

N.J.S.A. 45:22A-26.1 (PREDFDA) provides the parallel framework for NJ planned communities (HOAs).

Key NJ distinction: no statutory fee cap

Unlike Florida, which caps estoppel fees at $299 for units current on assessments (Fla. Stat. § 718.111(12)), New Jersey has no statutory cap on the resale disclosure document fee. The fee must be "reasonable" under common law, but there is no statute limiting the amount. NJ market practice is $200–$500.

Business days vs. calendar days

The 10-business-day window excludes weekends and New Jersey state holidays. This calculator conservatively estimates 10 business days as approximately 14 calendar days (2 weekends × 2 days each = 4 weekend days + 10 business days). For precise deadline calculation around holidays, verify against an actual New Jersey business day calendar.

Closing before the rescission period expires

The buyer's rescission right is absolute — they may cancel the contract within 7 calendar days of receiving the disclosure documents for any reason. Closing before the rescission period expires (without a written waiver from the buyer) creates a risk that the buyer could rescind post-closing, potentially voiding the transaction. Best practices:

Schedule closing at least 7 calendar days after document delivery.
Alternatively, obtain a written waiver from the buyer confirming receipt, review, and election not to rescind.

Worked example: standard timeline

Request submitted: May 1. Documents delivered by association: May 10 (9 calendar days — within 14-day window). As-of date: May 12 (2 days after delivery). Closing scheduled: May 25.

Delivery deadline: May 1 + 14 days = May 15. Documents were delivered May 10 — on time.
Rescission deadline: May 10 + 7 days = May 17. As of May 12, 5 days remain in the rescission window.
Closing scheduled May 25 > rescission deadline May 17 — no closing-before-rescission risk.

Worked example: overdue and closing risk

Request submitted: May 1. Documents NOT yet delivered. As-of date: May 20 (5 days past the 14-day estimated deadline). Closing scheduled: May 22.

Delivery deadline: May 15. Documents are 5 days overdue.
Rescission window: NOT STARTED — cannot start until documents are delivered.
Closing scheduled May 22 — RISK because rescission window cannot open until delivery, let alone expire by May 22.

Sources

Last reviewed: 2026-05-19 against:

N.J.S.A. 46:8B-9(m)/(n) (NJ Condominium Act: seller must provide master deed, bylaws, house rules, financial statements; 7-calendar-day buyer rescission right; association must produce within 10 business days of request; no statutory fee cap).
N.J.S.A. 45:22A-26.1 (PREDFDA: parallel resale disclosure requirements for NJ planned communities).

Under N.J.S.A. 46:8B-9(m)/(n), the seller of a New Jersey condominium unit must provide the buyer with: (1) a copy of the master deed, (2) the bylaws, (3) the house rules, and (4) the association's most recent financial statements. The association must produce these documents within 10 business days of a request. The association may charge a reasonable fee for document production — New Jersey has NO statutory cap on this fee, unlike Florida's $299 estoppel fee cap for units current on assessments. NJ market practice is $200–$500 for a resale disclosure package.

Under N.J.S.A. 46:8B-9(m), the buyer has a 7-CALENDAR-DAY rescission right after receiving the required disclosure documents. The rescission window runs from the date the buyer receives the documents — not from the contract date and not from the closing date. The buyer may rescind for any reason during this period (or no reason at all — it is an absolute rescission right). Rescission must be in writing. If the buyer closes on the property before the 7-day period expires without having waived the rescission right in writing, the closing proceeds at risk.

If the association fails to deliver the required documents within the 10-business-day window under N.J.S.A. 46:8B-9(m)/(n), the buyer's rescission window cannot begin — the 7 calendar days run from DELIVERY of the documents, not from the request date. A delayed delivery therefore delays the entire closing timeline (if closing is contingent on the rescission window expiring). Additionally, the association's failure to timely produce documents may expose it to liability for damages resulting from the delay, including the buyer's carrying costs or other losses attributable to a delayed closing.

Technically, a closing can occur before the 7-day rescission period expires if the buyer has voluntarily and in writing waived the rescission right. Without a written waiver, closing during the rescission window creates a significant risk: if the buyer subsequently exercises the rescission right, the closing may be voidable. Best practice is to structure the closing timeline so that the closing date is at least 7 calendar days after the buyer receives the disclosure documents, or to obtain a written waiver from the buyer confirming they have received and reviewed the documents and elect not to rescind.

No. New Jersey has NO statutory cap on the fee an association may charge for producing resale disclosure documents under N.J.S.A. 46:8B-9(m)/(n). This is different from Florida, where Fla. Stat. § 718.111(12) caps the estoppel certificate fee at $299 for units current on assessments (and $399 if the unit is delinquent). In New Jersey, the fee must be 'reasonable' under common law principles. NJ market practice for a standard resale disclosure package (master deed, bylaws, house rules, financial statements, insurance certificate, etc.) is typically $200–$500. A fee significantly above market may be challengeable as unreasonable, potentially delaying or disrupting the closing.

Yes, with a separate statute. Planned communities in New Jersey governed by PREDFDA (N.J.S.A. 45:22A) have a parallel resale disclosure requirement under N.J.S.A. 45:22A-26.1. The PREDFDA framework has similar document delivery and buyer rescission provisions. The specific documents required and any deadline variations should be confirmed against the PREDFDA text and the association's governing documents. This calculator supports both condominium (46:8B-9) and planned community (45:22A-26.1) types via the association type selector.

Resources

Links marked sponsoredmay earn The Fennec Lab a commission. They do not affect the calculator's output. See disclosures.

N.J.S.A. 46:8B-9 — NJ Condominium Act resale disclosure — N.J.S.A. 46:8B-9(m)/(n) — NJ condo resale: seller must provide master deed, bylaws, house rules, and financial statements; 7-day buyer rescission; 10-business-day delivery requirement; no statutory fee cap
N.J.S.A. 45:22A-26.1 — PREDFDA planned community resale disclosure — N.J.S.A. 45:22A-26.1 — PREDFDA planned community resale disclosure; equivalent to 46:8B-9 for NJ HOA planned communities
N.J.S.A. 46:8B — New Jersey Condominium Act (full chapter) — N.J.S.A. 46:8B — complete NJ Condominium Act; resale disclosure, super-priority lien, fines, reserve funds, and assessment lien provisions
N.J.S.A. 45:22A — PREDFDA (full chapter) — N.J.S.A. 45:22A — complete PREDFDA statute; NJ planned community (HOA) registration, disclosure, and enforcement framework