Buying in Palmetto Dunes and trying to pin down your true cash to close? That Community Enhancement Fee can sneak up on you if you do not plan for it. You want a smooth, stress‑free closing and a loan approval that stays on track. In this guide, you will learn exactly how Palmetto Dunes’ POA transfer fee works, how it shows up in your mortgage, and smart ways to handle it so you close with confidence. Let’s dive in.

PDPOA transfer fee at a glance

Palmetto Dunes’ Property Owners Association (PDPOA) charges a Community Enhancement Fee equal to 0.5% of the purchase price, and it is payable by the purchaser at closing. PDPOA also lists a $250 Administrative Processing Fee that is payable by the seller at closing. The association conducts closing inspections, requires a Real Estate Closing Request, and references a repurchase waiver as part of its process. You can review these items on the PDPOA’s closing information page for attorneys and realtors.

• 0.5% Community Enhancement Fee paid by buyer at closing (PDPOA closing info)
• $250 admin processing fee paid by seller at closing (PDPOA closing info)
• Closing inspection, closing request, and repurchase waiver may be required (PDPOA closing info)

Example costs by price

• $300,000 purchase → fee = $1,500
• $500,000 purchase → fee = $2,500
• $1,000,000 purchase → fee = $5,000

How it hits your loan and cash to close

Lenders treat the PDPOA transfer fee as a one‑time closing cost. It appears on your Loan Estimate and your Closing Disclosure. The Closing Disclosure includes a specific Cash to Close calculation, so any buyer‑paid transfer fee increases the funds you must bring to closing. Title and lending guidance explains how this figure is calculated and when it must be disclosed to you.

• See how Cash to Close is disclosed and timed on the Closing Disclosure reference.

Cash to close example

Assume you buy at $600,000 with 10% down, estimated closing costs of $9,000, a $5,000 earnest deposit, and you pay the PDPOA fee.

• Down payment: $60,000
• Closing costs: $9,000
• PDPOA fee: $3,000 (0.5% of $600,000)
• Less deposit: −$5,000
• Estimated cash to close: $67,000

The transfer fee raised your cash to close by $3,000 compared with a scenario without that fee.

Who pays and what is negotiable

PDPOA’s published policy states the purchaser pays the 0.5% Community Enhancement Fee, and the seller pays the $250 admin fee at closing. In many markets, who pays a POA fee can be negotiated in the contract. If you and the seller agree to reassign the PDPOA fee, your lender will treat that as a seller contribution and test it against program limits.

• PDPOA payer rules: PDPOA closing info
• General closing‑cost custom: overview of closing costs

If the seller pays your PDPOA fee

Seller payment counts as an interested‑party contribution. Conventional, FHA, VA, and USDA programs cap total seller contributions based on down payment and program rules. If the concession exceeds limits, the loan may need to be reworked or could be ineligible.

• Learn how seller contributions are limited in industry overviews of seller‑paid costs and the GSE selling guide.

Can you finance the PDPOA fee?

Sometimes. Some lenders allow you to finance certain closing costs, accept a slightly higher rate for lender credits, or structure the loan so your upfront cash is lower. Rules vary by lender and program, and rolling costs into the loan increases your principal and monthly payment.

• See general guidance on financing closing costs and tradeoffs in this Investopedia overview.

For context, adding $3,000 to a 30‑year mortgage around 6% can raise the monthly payment by roughly $18 to $20 and increase total interest over time. Exact figures depend on your rate and term.

Other Palmetto Dunes closing items to expect

Beyond the transfer fee, PDPOA’s process may include a closing inspection, a repurchase waiver, and prorations for assessments or reserves. These show up on the settlement statement and can affect each party’s bottom line at closing. Review PDPOA’s closing information to know what to provide and when.

• Review requirements on the PDPOA closing page.

Buyer and seller checklist

Use this quick list to keep your Palmetto Dunes closing on track.

• Confirm PDPOA fees for your specific property section and any additional one‑time items.
• Tell your lender and closing attorney early that a 0.5% PDPOA fee applies to the buyer.
• Decide in the contract who pays the PDPOA fee, and check any seller concession against program limits.
• Request the PDPOA closing package and inspection as soon as your contract is ratified.
• Verify any prorations or credits for assessments or reserves.
• Review your Final Closing Disclosure at least three business days before closing to confirm Cash to Close and fee placement. See timing details in the Closing Disclosure reference.

Smart ways to reduce cash to close

Consider these strategies if your goal is to bring less to closing.

• Ask for a seller credit that covers the PDPOA fee, staying within allowed limits.
• Explore lender credits in exchange for a slightly higher rate.
• Ask your lender if financing certain costs is permitted for your program and appraisal.
• Confirm whether permissible gift funds can be used for closing costs under your loan program.

Ready to run the numbers on your Palmetto Dunes purchase, compare options, and negotiate from strength? Reach out for local guidance, seamless coordination with your lender and closing attorney, and a concierge experience from offer to keys. Connect with Alison Melton to get started.

FAQs

What is the PDPOA transfer fee in Palmetto Dunes and who pays it?

• PDPOA lists a Community Enhancement Fee equal to 0.5% of the purchase price, payable by the purchaser at closing, and a $250 admin fee payable by the seller at closing, as shown on the PDPOA closing info page.

How does the PDPOA fee affect my cash to close on a mortgage?

• The fee appears as a closing cost on your Loan Estimate and Closing Disclosure and increases your Cash to Close if you are the buyer responsible for it; see how Cash to Close is calculated in this Closing Disclosure reference.

Can the seller pay my PDPOA fee without hurting loan eligibility?

• Possibly, but seller payment counts as an interested‑party contribution that must fit within your loan program’s limits; review common limits in this seller‑paid cost overview and confirm with your lender.

Can I roll the Palmetto Dunes POA fee into my mortgage?

• Sometimes, depending on your lender, program, and appraisal; financing closing costs reduces upfront cash but raises your loan balance and payment, as outlined in this Investopedia guide to closing costs.

Are there other PDPOA steps or charges at closing I should plan for?

• Yes, PDPOA references a closing inspection, a Real Estate Closing Request, a repurchase waiver, and possible assessment prorations; see details on the PDPOA closing page.