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For condo boards, treasurers, and the attorneys who advise them

Does your condo’s reserve budget measure up?

Compare your association’s annual reserve contribution with published mortgage reserve benchmarks. Enter four amounts from your budget and reserve study to see where you stand.

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Four numbers you already have.

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Assessment-income base from the budget; exclusions are not calculated.
The reserve line in that same budget.
The largest funding schedule in the reserve study.
All reserve accounts, as of a stated date.
The Florida cash illustration needs the study's component schedule. It does not determine state-law requirements.

No credit card or account required. Your numbers stay in this browser.

A sample building, this year's budget

$60,000

a year the budget doesn't put in

That is the annual contribution difference to discuss at the meeting. It does not establish the building’s legal status or mortgage eligibility.

Budgeted $120,000 Study's highest $180,000

The gap · $60,000

Fannie Mae LL-2026-03 · Florida HB 913

One page a director can hold at the meeting.

The gap, three ways to fund it, and what each costs per unit by ownership share. Full report $149; add the owner-facing PDF for $299. One-time, per building.

See what's in the report
Reserve Gap & Funding Report Sample building · indicative
Special assessment
Loan
Hybrid
Cost this year per 1%
$6,000
$0
$3,000
Per month thereafter per 1%
$0
$72
$36
Test 1 — highest recommended
Met
Met
Met
Test 2 — 15% floor
Met
Gap
Met

Sample figures for layout only. Not a reserve study, engineering report, legal advice, or a loan commitment.

Two tests, two dates

Applications from August 3, 2026

The study pathway uses its highest recommended contribution

A lender using the reserve-study pathway must check the highest allocation. A baseline schedule is not accepted for that pathway.

Applications from January 4, 2027

Reserves must be at least 15% of budgeted assessment income

Up from the prior 10% rule, unless a qualifying reserve study is used.

Pricing

After checkout, we prepare your report and email it within 1 business day. Not an instant download.

One-time, per building. No subscription.

Free check

$0

  • See whether your contribution meets each reserve benchmark
  • Runs in your browser — no account
Run the free check
Recommended

Report

$149

  • Dollar shortfalls against the reserve benchmarks
  • Special assessment, loan, and hybrid funding illustrations
  • 10-year reserve cash projections
  • Printable report for your board
Continue to the report

Report + owner PDF

$299

  • Everything in the report
  • Per-unit table by ownership share
  • Printable owner-facing PDF
Continue to the report

See what you will receive

These PDFs use fictional Example Towers figures. Your report is prepared from the figures you submit; its length depends on your component schedule and assumptions.

Board report sample · 8-page PDF

Compare reserve benchmarks, funding illustrations and cash projections before a board discussion. Included in both packages.

Owner overview sample · 3-page PDF

Explain the illustrations and costs by ownership share in a separate owner-facing document. Added in the $299 package.

Sample PDFs open in a new tab.

See full pricing →