HOA Liens and Collections in Texas: What Homeowners Need to Know

Texas law provides homeowners with significant protections against HOA collection actions. Under Property Code §209.0094, before filing an assessment lien the association must send a first notice of delinquency by first-class mail or email, then a second notice by certified mail no earlier than 30 days later, and it may not file the lien until the 90th day after the second notice. Under §209.0062, an association with more than 14 lots must adopt guidelines for an alternative payment schedule for delinquent assessments. Foreclosure is further limited by §§209.009, 209.0091, and 209.0092.

Last reviewed: 2026-05-07 · Version 2026.1