See what the unit price leaves out.
Put HOA costs, assessments, reserves, insurance, planned building work and missing documents into one private five-year planning view.
Name the scenario.
Keep association-funded and direct bills separate.
The five-year baseline repeats these entered amounts for 60 months. It does not forecast increases, mortgage changes or future work.
Add only an approved amount due within five years.
Discussed, proposed or unknown future work belongs in your separate uncertainty scenario. Do not enter the same assessment in dues and again here.
Set a range without calling it a prediction.
Use a defensible scenario from the evidence you are reviewing. A $0 scenario means no scenario amount is entered—not that the building has no exposure.
Record what you reviewed—not what HomeCostGrid verified.
Request each item only if applicable and available. State law, the contract, association rules and transaction deadlines control access.
Keep questions visible without storing their contents.
Four guides. One private planning desk.
The guides explain what to request and which questions belong with the association, lender, insurer, attorney or building professional. Return here to track status and user-entered costs—never to manufacture an approval.
Start with current documents for the exact project.
Reviewed August 20, 2026. This national program guidance explains common project-review and insurance evidence; it does not replace state law, the purchase contract, issued policies or the lender's current requirements.
Documents first. Conclusions later.
HomeCostGrid calculates only from the amounts and document statuses you enter. A reserve study can be old or based on assumptions that no longer hold. Minutes can omit informal discussions. Master insurance can change. Ask the association, lender, insurer, attorney and qualified building professional which evidence they require for this property and transaction.
Useful planning, with firm boundaries.
Can this tool predict a special assessment?
No. It organizes documents, user-entered known costs and user-entered uncertainty scenarios. Only the association and qualified professionals can confirm current obligations and building conditions.
Does a complete checklist mean a condo is safe to buy?
No. Document receipt is not the same as legal, engineering, insurance or lending review. The desk identifies gaps and questions; it does not approve a property.
Where does my information go?
The working scenario is stored in this browser only. HomeCostGrid does not need the property address to build this planning view.
