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"A reserve study is a study made of all the major capital systems in the association," explains Robert Galvin, a partner at Davis, Malm & D'Agostine PC inStudy Required. All associations, regardless of size, are required to prepare a reserve study (Civ. Code §5550), unless the total replacement costs are less To determine whether the association has a minimum annual budgeted replacement reserve allocation of 10%, the lender must divide the annual budgeted replacement Reserve studies are a vital aspect of HOA management. They are used to gauge the condition of the association's reserve fund to better plan a long-term The state administrative code requires the co-owners' association to maintain a reserve fund which, at a minimum, shall be equal to 10% of the association's Typically, reserves are considered fully funded if they cover 100 percent of future financial obligations. Meeting this HOA reserve funding percent is usually “Reserve Study Guidelines for Homeowners' Association Budgets” has been developed to assist boards of directors of California common interest developments (CIDs)