ReserveGap shows separate annual contribution comparisons. Do not add their shortfalls. A lender determines which review pathway applies and whether a reserve study qualifies.
Test 1
Applications from August 3, 2026
When a lender uses the reserve-study pathway, the budget must include the study’s highest recommended allocation. This comparison does not establish study qualification.
Worked example
Test 2
Applications from January 4, 2027
For Full Review, reserve contribution must be at least 15% of annual budgeted assessment income unless a qualifying study is used.
Worked example
Test 3
Florida: the full report models ten years of reserve balances from the entered schedule. It does not evaluate the complete study period or all state obligations. New Jersey and other state funding requirements are not evaluated.
ReserveGap was built by a finance professional, not an engineer or an attorney. It has no affiliation with Fannie Mae, Freddie Mac, any lender, or any state agency, and pays and receives no referral fees.
