There's no clean way to 'get out' of HOA, condo, or co-op fees while you still own the unit — they're contractual obligations that run with ownership. What you can do is plan how those fees get handled at closing so they don't blindside you.
In New York, monthly common charges (condos and HOAs) and maintenance (co-ops) are typically prorated at closing. Any arrears must be brought current — most managing agents and title companies will refuse to issue a clean payoff letter or board approval otherwise.
Co-ops add a layer: the board has approval rights over your buyer. Even an all-cash buyer can be turned down. That means even with a signed contract, the deal isn't done until the board package clears — which can take weeks and sometimes months.
If you're behind on maintenance or common charges, talk to the managing agent early. Many buildings will accept a written payoff at closing rather than demand cash up front. The number to pay attention to isn't the headline price — it's the net to you after all building-related amounts are settled.
For estates and out-of-state heirs in particular, ongoing common charges on an unoccupied unit add up quickly. Knowing the full carrying cost helps you decide whether to list, rent, or sell directly — without a surprise five-figure shortfall at the table.