Reserves & capital
HOA reserve funding that prevents the next special assessment
Track percent funded, automate reserve contributions, and plan capital projects so the roof, the road, and the pool are paid for before they fail — not after.
The number that tells the whole story
Percent funded — current reserves divided by the fully-funded target from a reserve study — is the single figure that separates a calm board from one bracing for a special assessment.
- 70%+
- Generally considered a strong reserve position
- Below 30%
- Elevated risk of a special assessment
- Monthly
- How often Anthoam lets the board watch it
What a reserve fund is actually for
A reserve fund is the savings account for the things that wear out on a schedule: roofs, roads, elevators, pools, exterior paint. A reserve study estimates each component's remaining life and replacement cost, then recommends what to set aside every year so the money is there when the component finally gives out.
The associations that get blindsided are rarely unlucky. They are the ones that ran reserves too lean for too long and never turned the study's schedule into a funding habit.
Funding reserves so the money stays put
The reliable way to fund reserves is to make the contribution automatic and hard to raid.
- 1
Record the target
Enter the reserve target and annual contribution from your study, so percent funded is something the board watches — not something it rediscovers once a year.
- 2
Split the dollar at collection
Because dues and reserves share one platform, each assessment routes its reserve portion the moment it is collected. No month-end transfer to remember.
- 3
Keep the two ledgers apart
Reserve contributions are tracked separately from operating cash, so next month's landscaping bill cannot quietly eat the future roof.
- 4
Watch the gap close
Actual funding is tracked against the target over time, so a shortfall surfaces years early — while a modest dues adjustment can still fix it.
Reserve health at a glance
| Percent funded | What it usually means | Typical move |
|---|---|---|
| 70%+ | Strong; major repairs are effectively pre-paid | Stay the course |
| 30–70% | Adequate but exposed | Nudge contributions up |
| Below 30% | Fragile; one failure from a levy | Plan a funding catch-up |
HOA reserve funding FAQ
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