Kirkland HOA Rules: Assessment & Dues Rules (2026)

Homeowner association assessments in Kirkland are regulated primarily by RCW 64.90 (WUCIOA) for newer associations and RCW 64.38 (HOA Act) for older ones. Annual budgets must be ratified by members under WUCIOA RCW 64.90.525, and special assessments for unbudgeted capital projects typically require majority member approval unless an emergency exists. Late fees, interest, and collection charges are permitted but must be set forth in the governing documents and are capped by statute at reasonable amounts; RCW 64.90.485 authorizes interest up to 12 percent per year and reasonable late charges generally limited to around 10 percent of the delinquent assessment. Delinquent assessments accrue as a continuing lien on the unit from the date due and may be foreclosed judicially after notice and opportunity to cure. Under RCW 64.90.485, the association lien has priority over most subsequent mortgages for up to six months of regular assessments, giving the HOA significant leverage. Before foreclosure the association must provide written notice of delinquency, an opportunity to enter a payment plan, and a pre-foreclosure demand letter. Owners may dispute charges through the board, and Washington consumer protection laws apply to debt collection activities by third-party collectors. Boards must apply payments first to assessments then to late fees and attorney costs unless the declaration provides otherwise.