Buying a Condo. 3 Ways Condo HOA Fees Can Destroy You 7. Beware that the closing costs will include 3 month working capital fee for the HOA when buying a new condo and that is added to your closing costs. You can negotiate with the seller on that. 8. Beware that some financial lenders charges 0.75% points if the down payment is less than 25 % of purchase price.

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