Condo Reserve Calculator

Condo Reserve Requirements 2027 — Calculator | Capital Partners Mortgage Services
New Industry Standard — January 1, 2027

Condo Reserve Funding Calculator

Starting January 1, 2027, a 15% reserve funding standard becomes the industry requirement for conventional condo financing. Budget season starts in a few months — use this tool now to find your number before it matters.

1

Annual Budget

All line items combined — including current reserve contribution
$
The reserve line item already in your budget
$
2

Excluded Line Items

Why exclusions matter: Lenders recognize that certain line items are pass-through costs that benefit individual unit owners — not association operations. These are subtracted from the budget before the reserve percentage is calculated, which reduces the reserve amount you actually need.
For unit owners — not just common areas or clubhouse
$
Unit-owner portion — replacing individual water bills
$
Amounts collected on behalf of a master or parent association
$
Only documented unit-owner pass-throughs confirmed excludable by your lender
$
Caution — "Other" field: Lenders verify every excluded line item against the submitted budget. Only enter amounts here for expenses that are clearly documented as direct unit-owner pass-throughs and that your lender has confirmed are excludable. Adding general operating expenses to reduce your required reserve will produce a misleading result that will not hold up in underwriting.
3

Reserve Threshold

The 15% threshold becomes the industry-wide standard on January 1, 2027. Plan for it now during this budgeting cycle.

Results

Enter your Total Annual Budget above to see results.

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Capital Partners Mortgage Services  |  NMLS #2332376  |  Equal Housing Lender
This tool is provided for informational purposes only and does not constitute a loan approval or underwriting decision. The reserve calculation methodology reflected here represents the underwriting standards of Capital Partners Mortgage Services, LLC and its investors, and does not represent the underwriting methods of all lenders. Reserve requirements may vary by lender, loan type, and individual project review.
Effective January 1, 2027, a 15% reserve funding standard is expected to become the prevailing requirement for conventional condo financing. This tool is intended to help associations plan during their annual budgeting cycle.
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