McDowell Mountain Ranch Trail Talk

What is the difference between a co-op and a condo?

Home / Buyer Help FAQ / What is the difference between a co-op and a condo?

In general terms: A co-op is a corporation that owns real estate.  If you belong to a co-op, you own stock in the corporation and the exclusive right to a given unit.  There is usually an underlying mortgage on the property and your co-op fee includes some or all mortgage payments as well as other costs.

With a condo, you own real estate and you have access to certain common facilities.  The condo is typically responsible for exterior maintenance and you pay a monthly condo fee.  You have your own title and mortgage, so mortgage costs are not part of the condo fee.