FHA Condo Approval and Your Reserve Fund
FHA requires condo projects to put 10% of assessments into reserves — unless a reserve study says otherwise. HUD's own rulebook writes the exception in.
Full vs. Threshold vs. Baseline Reserve Funding
Every reserve study offers your board three funding plans. As of August 3, 2026, picking the cheapest one can cost your owners their mortgages.
How to Read a Reserve Study
Your association paid thousands for an 80-page reserve study. Here's how a board member actually reads one — the five numbers that matter and where they hide.
How Much Should an HOA Have in Reserves?
There's no single dollar answer. The number that matters is percent funded — under 30% is weak, over 70% is strong. Here's how to find and read yours.
How to Avoid a Special Assessment
Special assessments aren't bad luck — they're arithmetic. What triggers them, what a board can impose without a vote, and how to head one off in time.
