Parcel

Read the HOA packet before the review period runs out

Upload CC&Rs, budgets, minutes, a seller disclosure or title commitment. Get dues, rules, red flags and contradictions, each quoted, plus your buyer's must-haves checked.

HOA & Disclosure SummarizerClosing suite

$15per month on its own

  • Closing Suite, all 8$29/mo
  • All AI Tools$49/mo
  • Free plan10 runs a month

Try it with your own files

This tool reads your documents

So it runs in your free account rather than on a public page. Sign up with your email and upload a file; developers can send the same request to the API.

Create a free account

API request

curl https://parcel.westwardconsulting.ai/api/v1/documents/hoa-summary \
  -H "Authorization: Bearer $PARCEL_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "text": "CEDAR HOLLOW TOWNHOME ASSOCIATION - RESALE CERTIFICATE\nUnit: 17 Cedar Hollow Lane, Lakewood, CO 80228. Prepared October 9, 2026 by Front Range Community Management.\n1. Regular assessment: $412.00 per month, due on the 1st. Account is current.\n2. Special assessment: $3,200 per unit approved by the Board on June 18, 2026 for roof replacement, payable in two installments (January 1 and July 1, 2027). The unpaid balance becomes due at closing.\n3. Transfer fee: $350, plus a working capital contribution equal to two months of regular assessments, paid by the buyer.\n4. Reserves: operating reserve balance $186,400 as of September 30, 2026. The 2025 reserve study recommends a balance of $410,000.\n5. Litigation: The Association is a plaintiff in a construction-defect suit against the original builder regarding siding and window flashing.\n\n2027 APPROVED BUDGET (excerpt)\nMonthly assessment per unit: $398.00. Master insurance premium increased 38% after non-renewal by the prior carrier.\n\nDECLARATION OF COVENANTS (excerpts)\nSection 7.2 Leasing. No unit may be leased for a term of less than twelve (12) months. No more than twenty percent (20%) of units may be leased at any one time; owners wishing to lease shall be placed on a waiting list.\nSection 7.5 Animals. Owners may keep no more than two (2) household pets. Dogs over 60 pounds are not permitted. This section does not apply to assistance animals.\nSection 7.8 Parking. Each unit has one assigned space. Boats, trailers and recreational vehicles may not be parked in common areas.\nSection 8.1 Architectural Control. No exterior alteration, including solar panels, satellite dishes or exterior wiring, shall be made without prior written approval of the Architectural Committee.",
  "doc_type": "hoa_governing_docs",
  "buyer_priorities": [
    "Two dogs, one about 70 pounds",
    "Renting it out in a few years",
    "EV charger in the garage",
    "Short-term rentals"
  ]
}'

Runs inside your free account, where your documents stay private.

What you get

Reads HOA governing documents, budgets, minutes, seller disclosures or a title commitment (PDF or text) and returns key facts, restrictions, red flags and contradictions, each with its source quote, plus a check of every buyer priority (pets, rentals, parking and more) and questions to ask.

Developers: POST /api/v1/documents/hoa-summary · API docs

  • Dues, special assessments, reserves and fees, quoted from the documents
  • Litigation, insurance, reserve and rental-cap red flags
  • Pets, rentals, parking, EV charging and other buyer priorities checked one by one
  • Contradictions inside the packet and questions to ask

Frequently asked questions

Put this tool to work

Start free with 10 runs a month to use on any AI tool. No card, no password.