Is your building still warrantable?

As of January 4, 2027, Fannie Mae and Freddie Mac require condo associations to fund reserves at 15% of annual assessment income (up from 10%) for their units to qualify for conventional financing. A building that met the old standard can flip to non-warrantable without anything physically changing.

Enter your association's real numbers below. The tool shows the dollar gap, the cost per door, and the circular true-dues-increase: because the target is a percentage of dues, every dollar you raise pushes the 15% line higher, so the real cost runs above the headline figure.