What does HOA and CCRs stand for?


HOA Stand for Homeowners Association


An HOA is a nonprofit organization  funded by all the association’s members.  The HOA is overseen by an elected board of directors.

Many homes in Texas are located in subdivisions governed or managed by a homeowners associations.  In addition,  Texas state law gives property association certain powers.   Here is the  Texas Property Code  that enumerates that powers granted to the HOA.

The primary purpose of the HOA is  to enforce the policies, procedures, regulations and restrictions agreed to by the members, thereby maintaining property values.  Each homeowner supports the HOA financially by paying  monthly dues and occasional assessments.

If you purchase a home in an HOA community, you don’t have a choice about whether to become a member.  All homeowners automatically become part of the association.    Furthermore,  prospective buyers should read the HOA documents before agreeing to buy a home.   If the documents are unavailable for review prior to purchasing a home, then ask to sign an Addendum for Property Located in a Mandatory HOA.

CC&Rs Stands for Covenants, Conditions and Restrictions


CCRs are the governing documents for the operation of the HOA.   Moreover, all homeowners, tenants and guests are obligated to follow these rules.

If you want to paint your home purple or put up a storage shed check the CCRs first.    CCRs are the rules for the community. Failure to follow these rules may result in a hefty fine for the homeowner.   Believe it or not, unpaid fines can lead to foreclosure proceedings and the loss of the home to the HOA.

Here are just a few items commonly regulated by CCRs, according to the authors of  “Nolo’s Essential Guide to Buying Your First Home”:




Roofing material.


Exterior paint color.

Outdoor play equipment such as swing sets and basketball hoops.

Garages and outbuildings.


Window coverings.

Holiday decorations.


Garbage and recycling containers.

Pets (size, breed restrictions, etc.).


Home businesses.


Every community that has an HOA is different.  Therefore,  each community has a different set of “community standards”.   Read the HOA and CCRs documents to understand what is required.