In Massachusetts, a 6D Certificate—also called a Condominium Certificate of Payment—is an essential document in any condo sale.
Required under M.G.L. Chapter 183A, Section 6(d), it protects buyers, lenders, and the condominium association by confirming the financial standing of the unit being sold.
What the 6D Certificate Proves
A 6D Certificate verifies that the condo owner does not owe any unpaid condo fees, special assessments, late charges, or other financial obligations to the association. It proves the unit is current and clear of debt at the time of closing.
When It’s Required
A 6D Certificate is required for every condominium sale in Massachusetts. Lenders will not close without it, attorneys will not record the deed without it, and buyers rely on it to ensure they aren’t inheriting someone else’s unpaid fees.
Who Prepares the Document
The certificate is prepared and signed by the condo association’s trustee(s) or the property management company acting on behalf of the association. Only authorized parties can issue it.
How Long Does It Take to Obtain?
Timing varies by association, but most management companies issue the certificate within 3–10 business days. Smaller, self-managed associations may take longer. It’s wise for sellers to request it early in the closing process to avoid delays.
Who Pays for the 6D Certificate?
The seller is responsible for the cost. Fees typically range from $50 to $200, depending on the management company and whether rush processing is needed.
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