Reserves

HOA Budgets

Fannie Mae HOA Reserve Requirement 2026: The New 15% Rule

Fannie Mae's replacement-reserve minimum for condos rises to 15% of assessment income in January 2027, and Limited Review is gone. Here's what that means for your owners…

Sep 27, 2026· 5 min read

HOA Budgets

Free HOA Budget Template for 2027 (Excel): How to Build the Budget, and Who Has to Approve It in Your State

Free HOA budget template for 2027 (Excel, all formulas). Build the budget in the right order, plus who has to approve it in 11 states.

Sep 9, 2026· 20 min read

Self-Managed HOA

Fannie Mae Condo Warrantability in 2026–2027: What It Costs a Self-Managed Condo, and Why We Don't Chase It

LL-2026-03 raises condo reserves to 15% and caps deductibles at $50,000. What it costs a self-managed condo — and why we don't recommend chasing it.

Sep 8, 2026· 13 min read