Massachusetts calculators

Massachusetts Homestead Declaration Calculator (Ch. 188)

Determine how much equity a Massachusetts homeowner's primary residence is shielding from unsecured creditors under the Mass. Homestead Act (G.L. c. 188): the automatic $125,000 protection under § 4, the declared $500,000 under § 5, and the $1,000,000 elderly / disabled tier under § 2 (raised from $500,000 by the 2024 amendment). Surfaces the five obligations that overcome the homestead under § 3 (mortgage, mechanic's lien, property tax, federal tax lien, child support / alimony), explains joint-owner stacking under § 10, and flags when a one-page Declaration at the Registry of Deeds would buy material additional protection for a nominal filing fee.

Massachusetts Condo Assessment-Lien Super-Priority Calculator (M.G.L. c.183A § 6(c))

Compute the six-month super-priority dollar amount, the cumulative rolling-lien recovery available under Drummer Boy Homes Ass'n v. Britton (Mass. 2016), and the projected recovery against the first mortgagee for a delinquent Massachusetts condominium unit under M.G.L. c.183A § 6(c). Models the six-month assessment window, reasonable attorney's fees, and enforcement costs that compose the super-priority amount; projects rolling re-record recoveries across successive enforcement windows; and reports practical strategy guidance for the board treasurer and association counsel.

Massachusetts Condo Foreclosure Timeline Calculator (M.G.L. c.244 §§ 14, 35A)

Compute the earliest permissible sale date for a Massachusetts condominium association power-of-sale foreclosure under M.G.L. c.244 §§ 14, 35A. Models the 90-day right-to-cure notice under § 35A, the 21-day publication window under § 14, and the 14-day mortgagor-notice deadline under § 14. Returns the earliest sale date, the cure expiration date, the earliest first-publication date, the latest mortgagor-notice deadline, and total days from first delinquency to earliest sale. Optionally validates a proposed sale date against the statutory minimums.

Massachusetts Condo Quorum & Supermajority Calculator (M.G.L. c.183A §§ 10, 11, 19)

Compute whether a Massachusetts condominium meeting has met quorum and the beneficial-interest threshold required to pass under M.G.L. c.183A § 10 (organization of unit owners), § 11 (master-deed amendment — 75% of beneficial interest minimum), § 17 (special assessments allocated by beneficial interest), and § 19 (termination requires near-unanimous consent). Returns the effective quorum percentage, quorum-met flag, the beneficial-interest required to pass, and the current ballot status. Voting is measured in beneficial-interest percentages, not unit counts.

Massachusetts Condo 6(d) Resale Certificate Calculator (M.G.L. c.183A § 6(d))

Compute the required delivery date and compliance status for a Massachusetts condominium 6(d) resale certificate under M.G.L. c.183A § 6(d). Models the standard 10-business-day turnaround, the 30-day underwriter age limit, and the typical Massachusetts fee range. Returns the required delivery date, days from delivery to closing, fee-compliance check, and a content checklist of required disclosures (unpaid assessments, special assessments, pending assessments, pending litigation, working-capital reserve).

Massachusetts Condo Special Assessment Calculator (M.G.L. c.183A § 17)

Compute the per-unit special assessment for a Massachusetts condominium under M.G.L. c.183A § 17. Models beneficial-interest-allocated assessments per the master deed, determines whether the project cost triggers the member-approval threshold (commonly 10-25% of annual budget), and projects the financed alternative (association loan) for per-unit monthly-payment comparison. Returns the average per-unit assessment, the per-1%-beneficial-interest amount, an allocation table for varied beneficial-interest percentages, the installment-payment schedule, and the financing-alternative monthly amortization.

Massachusetts Condo Fines Calculator (M.G.L. c.183A § 11)

Compute the lawful total fine for a Massachusetts condominium violation under M.G.L. c.183A § 11. Applies the bylaw per-day rate cap and aggregate maximum, checks procedural validity (written notice and hearing opportunity required), and determines whether the fine is eligible to be added to the common-expense lien under M.G.L. c.183A § 6. Returns the total lawful fine, per-occurrence cap status, procedural-compliance verdict, and lien-eligibility determination.

Massachusetts Condo Reserve Adequacy Calculator (M.G.L. c.183A § 10(b))

Assess the adequacy of a Massachusetts condominium reserve fund under M.G.L. c.183A § 10(b) using the CAI fully-funded methodology. Computes the funding ratio, reserve deficit, recommended annual contribution (straight-line catch-up), per-unit contribution amounts, annual shortfall, projected 5- and 10-year balances, and estimated depletion date. Returns a funding-status verdict (critically underfunded through overfunded) and a trustees' summary suitable for the annual budget meeting.

Massachusetts Condo Annual & Special Meeting Notice Calculator (M.G.L. c.183A § 11/12)

Verify that a Massachusetts condominium annual or special meeting notice complies with the 14–60 day window under M.G.L. c.183A § 11 (annual meetings) and M.G.L. c.183A § 12 (special meetings). Computes days of advance notice, notice-window compliance status, required quorum (51% of beneficial interest unless bylaws differ), and units required for quorum. Returns a plain-language compliance verdict.

Massachusetts Condo 6D Certificate & Payoff Calculator (M.G.L. c.183A § 6(c)/(d))

Compute the six-month super-priority lien amount, total payoff required to clear a Massachusetts condominium 6D certificate, certificate-fee total, and certificate currency status (30-day staleness check) under M.G.L. c.183A § 6(c)/(d). Returns the super-priority amount (6 months × monthly assessment), the delinquency beyond the super-priority cap, the total closing cost (payoff + fee), days from certificate issuance to closing, and whether the certificate is within the 30-day industry currency window.