McKinney, TX HOA Rules: Assessment & Dues (2026)
Key Facts
- Notice
- Certified + first class
- Payment Plan
- 3 months minimum
- Foreclosure
- Court order required
- Redemption
- 180 days
- Lien Priority
- Junior to mortgage
Summary
McKinney HOAs must follow TX Property Code §209.0064 for assessment collection: certified mail notice of default, 30-day cure period, payment plan offer, and strict prerequisites before foreclosure, which requires court order under §209.0092.
Sec. 209.009. FORECLOSURE SALE PROHIBITED IN CERTAIN CIRCUMSTANCES. A property owners' association may not foreclose a property owners' association's assessment lien if the debt securing the lien consists solely of: (1) fines assessed by the association; (2) attorney's fees incurred by the association solely associated with fines assessed by the association; or (3) amounts added to the owner's account as an assessment under Section 209.005(i) or 209.0057(b-4). Sec. 209.0092. JUDICIAL FORECLOSURE REQUIRED. (a) ... a property owners' association may not foreclose a property owners' association assessment lien unless the association first obtains a court order in an application for expedited foreclosure
Full Breakdown
Before an HOA can take action on unpaid assessments, it must send a §209.0064 notice by certified and first-class mail itemizing the delinquency, describing cure options, and offering a payment plan of at least 3 months (not required if owner defaulted on a prior plan within 2 years). Late fees and interest must be reasonable and authorized by the declaration. A non-judicial HOA foreclosure is no longer allowed in Texas; §209.0092 requires a court order expedited procedure, and owners have 180 days post-sale right of redemption under §209.011. Priority of HOA liens is junior to purchase-money mortgages.
Violations & Fines
Failure to follow §209.0064 notice voids foreclosure and exposes HOA to damages and attorney's fees. Misuse of late fees may be recovered by owner.
Sources & Official References
Other rules in McKinney
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Assessment & Dues in Nearby Cities
How other cities in Collin County handle assessment & dues.