Sunchase HOA and CDD fees: how I would build your monthly budget

Start with what each charge is paying for

If you are moving from an area without community development districts, the letters HOA and CDD can make the monthly cost feel unnecessarily complicated. I would start by putting them on different lines, with the document and billing schedule beside each one.

The homeowners association and the community development district are different entities. The district is a public special-purpose body. Its budget is not the association’s operating budget, and paying one does not mean you have paid the other. That distinction is the foundation for comparing homes fairly.

The historical HOA sheet has two stages

The Pulte-branded fee sheet available to this guide is dated December 9, 2025. It lists monthly HOA amounts before amenities and restaurant operation, then higher amounts afterward. The figures below preserve that dated document; they should not be presented as the current amount due for a September 2026 purchase.

The same sheet separately describes a $500 annual food-and-beverage charge. Before budgeting it, ask management whether the current policy treats that amount as a charge, a dining credit or a spending requirement. Also obtain the current approved association budget and the event that triggers the higher dues.

Read the CDD table at the parcel level

The adopted FY2027 district budget contains a projected assessment comparison for Phase 1. Its annual totals combine operating and maintenance costs with debt service. FY2027 runs October 1, 2026 through September 30, 2027. The table does not establish a homeowner total for every future phase.

For the Phase 1 lot types shown, the annual amounts are $1,380.86 for 40-foot lots, $1,649.65 for 50-foot lots and $2,052.83 for 60-foot lots. Dividing by 12 produces approximately $115.07, $137.47 and $171.07 per month for comparison. Ask the district or closing professional to match the correct assessment to your parcel.

Avoid counting the CDD twice

A budget worksheet should make billing easier to understand. It should not accidentally make the same home look more expensive. If a lender’s escrow figure includes the district assessment, adding another CDD line on top would duplicate it.

Here is an illustrative bookkeeping example. Suppose an escrow estimate of $800 a month includes $140 for a district assessment. You can show $800 as one combined escrow line, or split it into $660 plus $140. You should not show $800 plus another $140. Those are invented round numbers, but the accounting issue is real enough to check on any loan worksheet.

Keep the services and the bills separate too

A maintenance service can be included while a related utility bill remains yours. The August 2026 Sunchase community addendum reviewed for this site assigns the homeowner the reclaimed irrigation-water bill, alongside potable water/sewer and gas charges. It also describes association landscape and irrigation maintenance. Those are different responsibilities.

That is why I would ask for a move-in utility sheet and a written service list. With internet, confirm the active provider and package; the older public fee sheet and the reviewed addendum name different providers. Treat a short marketing phrase such as included landscaping as the beginning of the question.

The worksheet I would keep beside the home quote

Once the documents line up, the comparison becomes much more useful. I would show the budget at the applicable dues stage and also look at the later stage if amenities have not opened. That lets you choose the home around the life you expect to live there.

Do the same exercise for a second community using its own documents. A lower first-year association bill does not automatically make one home less expensive over time. Compare the actual obligations and what you expect to use, then keep enough flexibility for budgets and assessments to change.

• Record the HOA document date, monthly rate and amenity-stage trigger.
• Identify the parcel, district phase and annual CDD assessment.
• Ask which charges are escrowed and which are paid directly.
• Add taxes, insurance, utilities and any separate restaurant obligation.
• Request an estimate of closing contributions, transfer fees and prorations.