Reserve study guides by state
Everything we know that a board might need, written plainly and kept current. No gated downloads, no contact form in the way.
Start here
- What is a reserve study
Levels I, II, and III, percent funded, fully funded balance, and how a special assessment actually happens. Start here.
- What a reserve study costs
Published price ranges by service level and association size, what moves the number, and what to watch for in a quote that looks too low.
- The Fannie Mae and Freddie Mac reserve rule
Not a law, but binding in practice: how project eligibility standards affect whether buyers in your community can get a mortgage.
By statute
Reserve requirements are set state by state, and much of what is published about them online is out of date. These pages quote the statute, translate it, and record when they were last verified. More states as we write them.
- Florida structural integrity reserve studies
Which buildings need a SIRS, what components it must cover, and why the reserve waiver ban is the part that changes your budget.
- Colorado reserve study requirements
What CCIOA actually requires, what it does not, and why page-one search results on this question contradict each other.
- Colorado HB26-1099 transition studies
The transition study obligation for associations leaving declarant control, and the independence rule that constrains who may prepare one.
Colorado metro guides
Local component and cost notes for communities we know well.
Find out where your association actually stands
Tell us the association name and unit count. We pull the public records and come back with a real number, usually the same day.