If a condo owner is selling their unit, which of these documents should they present to a buyer?

The HUD-1 form is primarily used in real estate transactions involving federal loans, detailing all the closing costs associated with the purchase. However, it is not specifically required or relevant when selling a condo or providing information to prospective buyers prior to closing. Its focus is more on the final transaction rather than the initial selling process.

The Closing Disclosure is a document provided to buyers before closing that outlines the final terms of the mortgage loan and closing costs. While it is important for the buyer's financing process, it is not a document that the seller presents during the selling phase. Instead, it is typically provided by the lender to the buyer.

A Loan Estimate is a document that outlines the estimated costs of a mortgage loan to potential buyers. It serves as a guide for buyers to understand their financing options but is not a document that sellers present. Sellers focus on providing documentation that directly pertains to the condo and its association, making the resale certificate the more relevant choice.