Reserves
Percent funded (reserves)
Percent funded compares how much cash the HOA has in reserves to what a reserve study says you should have saved by today. One hundred percent funded means you are on track; lower numbers signal a gap that may require higher dues or a special assessment over time. It is a planning metric, not a pass/fail grade.
These definitions are for general education only. They are not legal, financial, or tax advice. HOA rules vary by community and location—confirm details against your governing documents and qualified professionals before you act.
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