Condo Reserve Studies Are Maps. Boards Need a Navigation System. Start the Journey Here

A reserve study identifies future repair and replacement needs. But the study alone does not create a budget, authorize projects, manage expenditures, or keep the board on course. This site provides practical guides, forms, and workbooks to help condominium and community-association boards turn reserve studies into effective reserve-management programs. 

CONDO RESERVE FUNDS

Practical resources for managing condominium and association reserve funds—from reserve studies and budgeting to project authorization, expenditure management, and year-end reconciliation.

Free National, Florida, California, and New York editions of Reserve Fund Governance and Management Guides, together with project proposal forms and financial-management workbooks for condominium, cooperative, and HOA boards, managers, and owners.

 These resources help associations translate reserve studies into clear governance policies, detailed annual budgets, authorized projects, documented expenditures, prudent funding measures, and reliable year-end reconciliations.

Topics Covered: Reserve studies, reserve-fund budgeting, reserve versus operating expenses, SIRS and Traditional Reserves, project authorization, permitting and professional oversight, expense management, special assessments, funding shortfalls, project records, reserve workbooks, and post-close reserve-study review.

 For Boards: Quick Start

•  Review the current reserve study.

•  Adopt a detailed annual reserve budget.

•  Authorize and document reserve projects before work begins.

•  Track projects, expenditures, funding measures, and year-end balances.

See Section 1 of the Guide for a more detailed discussion of these points.

For the complete process, download the Guides and Management Tools by tapping or clicking the links below for your state, or the National Edition for other states. 

Important Notice: 

These resources are educational and administrative references. Associations should adapt them to their governing documents, applicable law, professional advice, and particular circumstances.

 Dwight Horch, Vero Beach, Florida, Marlton, New Jersey, www.CondoReserveFunds.com. 

Publication Date: September 23, 2026