Laredo, TX HOA Rules: Assessment & Dues (2026)

HOA assessments in Texas must be authorized by the recorded CCRs, which define the calculation method, billing frequency, and late fee structure. Texas Property Code 209.0062 requires that owner payments be applied in this order: delinquent assessments, current assessments, attorney fees and collection costs, fines, and then other charges (CCRs may alter order only in limited ways). Under 209.0063, HOAs must offer a payment plan of at least 3 months to delinquent owners before turning accounts over to collections, unless the owner failed a prior plan in the last 2 years. Special assessments typically require membership vote per the CCRs. Late fees and interest are limited to reasonable amounts. Non-judicial foreclosure for unpaid assessments is allowed under 209.0092 only after expedited court order, providing additional owner protections.