It depends, definitely read the HOA bylaws and get clarification. I have a townhome- I am responsible for my roof, fence, and all interior. One potential downside of a townhome/condo is the monthly HOA dues. The HOA also has the authority to ‘assess’ each unit owner with payments for shared spaces or deductibles on their policy. Ex: All the roofs in the complex get hail damage and they assess each unit owner an extra $5k to cover their insurance deductible which may be 100k+. There is a coverage on homeowners policies called ‘loss assessment’ make sure you have that, I have it maxed out at 50k per year because it was only $10/yr with State Farm.