The differences between townhouse and condo insurance deal with how the properties are owned. A townhouse is legally different from a condo in the way that the owners hold title to the land.

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A Planned Unit Development (PUD) is a planned community comprised most often of some variety of housing, recreation, and shopping, in one contained development or subdivision. A good example of a PUD in New Jersey is The Hills in Basking Ridge and Bedminster – it is one of, if not the, largest PUD’s in teh country.

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What is the difference between a planned development townhouse community ownership and a Condominium ownership? Find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.

That means if your condo is $200,000, you need to have $50,000 in your savings to put down at closing or get a higher interest rate compared to if you bought a townhouse for the same price. Lenders have been wary of condo loans since the whole mortgage breakdown. They aren’t worried just about you as a condo owner defaulting on the loan.

A major difference between a co-op vs. a condo is the fact not any warm body with cash can buy a co-op. Co-ops are governed by a board of directors, determined by the shareholders of the co-op. Condos are governed by a board of directors as well, but those boards do not approve buyers.

A PUD, is a "Planned Unit Development". But the key ingredient is that in a PUD the homeowner owns their own home and the land beneath it. A condo, on the other hand, (short for condominium) may look the same as a PUD, but the homeowner only owns the interior walls and the interior airspace of the home.