Vermont calculators

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.

Vermont CIC Foreclosure Timeline Calculator — Judicial-Only, 90-Day Cure, 180-Day or 1-Year Redemption (12 V.S.A. § 4528, § 4530)

Project the procedural timeline of a Vermont common interest community assessment-lien foreclosure under VCIOA § 3-116(j) and the Vermont judicial-foreclosure procedure of 12 V.S.A. § 4528 et seq. Vermont strongly favors judicial foreclosure with a mandatory 90-day cure period; there is no nonjudicial power-of-sale alternative. Models the 12 V.S.A. § 4528 complaint and mandatory 90-day cure, the 12 V.S.A. § 4530 redemption period (180-day default; 1-year for owner-occupied residential property), and the projected public sale date. Returns the days-delinquent count, procedural posture, cure deadline, redemption-period end date, projected sale date, and next-action recommendation.

VCIOA Quorum & Supermajority Calculator — 20% Quorum, 67% Amendment, 80% Termination (27A V.S.A.)

Compute whether a Vermont common interest community unit-owner vote has reached quorum and the votes-required-to-pass threshold under the Vermont Common Interest Ownership Act (VCIOA, 27A V.S.A. § 1-101 et seq.; adopted UCIOA verbatim). Models 27A V.S.A. § 3-109 20% default quorum; § 2-117 declaration-amendment 67% of total; § 2-118 termination 80% of total; § 3-103 executive board removal majority of those present; § 3-106 bylaws amendment per bylaws specification; and § 3-115 budget rejection by majority of unit owners present at the rejection meeting. Returns the effective quorum, votes required, quorum-met flag, and current outcome (passed, failed, pending, or no-quorum).

Vermont CIC Resale Certificate Calculator — 10-Day Delivery, Reasonable Fee (27A V.S.A. § 4-107 / § 4-108)

Compute the statutory delivery deadline, the contract-buffer risk, and the reasonable-fee assessment for a Vermont common interest community resale certificate under the Vermont Common Interest Ownership Act (VCIOA, 27A V.S.A. § 1-101 et seq.; adopted UCIOA verbatim). Models 27A V.S.A. § 4-107 (resale certificate required for resales of CIC units except limited statutory exceptions) and § 4-108 (10-calendar-day delivery deadline from the unit owner's written request, statutorily enumerated content list, reasonable-fee standard with no statutory dollar cap, and buyer-reliance protection bound by the association's statements). Returns the delivery deadline, the days-buffer to the proposed contract / closing date, a status flag (on-time, tight-timing, late-risk, overdue), a fee-reasonableness assessment, and the 14-item required-content checklist.