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HOA Reserve Adequacy Calculator
Assess reserve fund health and compliance risk
Reserve Fund Analysis
Enter your HOA's current reserve fund metrics to assess adequacy and risk
50.0%
$250,000 / $500,000
Years to Shortfall
1
Based on current funding trajectory
Risk Rating
Moderate Risk
Adequate but improving recommended
Lender Compliance Score
Compliant
Fannie Mae/Freddie Mac 10% minimum threshold
Strategic Advisory Notes
Reserve Sufficiency Thresholds
- 70%+ Funded: Strong reserve position, meets most lender requirements
- 40-69% Funded: Adequate but vulnerable to large expenses
- Below 40%: High risk, may face special assessments or lender restrictions
Lending Risk Implications
- Fannie Mae/Freddie Mac require minimum 10% reserves for purchase mortgages
- FHA requires review at 10% threshold with additional restrictions below
- Low reserves may increase buyer mortgage costs or limit financing options
- Property values can be impacted by reserve fund health perception
Recommended Funding Adjustments
Improvement Recommended
Gradually increase annual contributions to reach 70% funding within 5-7 years to strengthen financial position.
Export & Next Steps
Download your reserve adequacy report or schedule a consultation
ROI Proof Points
See what good looks like with RH Strategic Consulting's real-world automation benchmarks.