Oregon HOA Reserve Fund Requirements (2026)
ORS §§ 100.005 et seq. (Oregon Condominium Act); ORS § 94.595 (Planned Communities Act)
No
Governed by your CC&Rs and bylaws
None
No statutory minimum — governing documents control reserve obligations, though Oregon law requires reserve disclosures
Yes
Oregon requires HOAs to provide a reserve fund disclosure in the annual budget including current balance and projected major expenditures. Members may request reserve-related records.
No
No legislative change after Surfside
- Annual budget must include reserve fund disclosure: current balance and projected major expenditures
- No state law requires a professional reserve study
- No statutory minimum funding percentage
- Members may request reserve-related financial records
- Fannie Mae and FHA guidelines apply regardless of state law
Oregon requires HOAs to provide a reserve fund disclosure in the annual budget including current balance and projected major expenditures. Members may request reserve-related records.
Fannie Mae requires HOA to allocate at least 10% of assessments to reserves or demonstrate a 10% funding ratio. FHA requires similar. Low reserve funding can block unit sales and refinancing.
Fannie Mae requirement
Minimum 10% of assessments allocated to reserves, or a demonstrated 10% funding ratio. Associations below this threshold may face loan-level pricing adjustments or deal failure.
FHA requirement
Similar 10% minimum allocation. FHA-backed financing unavailable for units in HOAs that do not meet the threshold, reducing the buyer pool and depressing values.
- Oregon law requires reserve disclosure in the annual budget — ensure your budget includes reserve balance and projected expenditures
- Commission a reserve study even though none is legally mandated — it supports your disclosure
- Aim for 70%+ funded status to avoid Fannie Mae and FHA flags
- Oregon's wet climate can accelerate rot and water damage — budget aggressively for waterproofing and roofing
Related tools for Oregon HOA boards
Managing reserves for a Oregon HOA? LotWize tracks your reserve contributions automatically.
LotWize helps self-managed HOA boards stay on top of reserve contributions, annual budget preparation, and best-practice reserve planning — without hiring a property management company.
Start 14-Day Free TrialThis page provides general legal information about Oregon HOA reserve requirements only — not legal advice. Reserve laws vary by community type (planned community vs. condominium) and change frequently. Always consult a licensed Oregon HOA attorney and review your governing documents for advice specific to your situation. Statute citations accurate as of 2026.