State profile
Texas
Texas has no statute requiring a reserve study or minimum reserve funding for HOAs or condominium associations. The Uniform Condominium Act authorizes associations to budget for reserves but does not mandate them. What Texas does require is disclosure: resale certificates must state the amount of reserves for capital expenditures, so buyers and their lenders see the number — and federal lending rules, not state law, are the practical reserve standard for Texas condos.
Update every
Not required
Site visit
Not required
Applies to
—
What your board must do
01Adopt and amend budgets for revenues, expenditures, and reserves — an authorization, not a mandate (Prop. Code §82.102(a)(2), condominiums).
02Disclose in a condominium resale certificate the amount of reserves for capital expenditures and any portions designated for a specified project (Prop. Code §82.157(a)(5)).
03Disclose in a subdivision resale certificate the amount of reserves for capital expenditures (Prop. Code §207.003(b)(6)).
04Note that for condominiums, Fannie Mae/Freddie Mac project eligibility — not Texas law — is the binding reserve constraint for most buyers' loans.
Quick answers
- Does Texas require a reserve study?
- No statute. No statute requires one. Texas has no statute requiring a reserve study or minimum reserve funding for HOAs or condominium associations. The Uniform Condominium Act authorizes associations to budget for reserves but does not mandate them. What Texas does require is disclosure: resale certificates must state the amount of reserves for capital expenditures, so buyers and their lenders see the number — and federal lending rules, not state law, are the practical reserve standard for Texas condos.
- How often must a Texas reserve study be updated?
- Update interval: Not required. Site visit: Not required.
- What must a Texas association disclose about reserves?
- Reserve amounts on resale certificates.
Statutes
Last statutory change — · Page reviewed Sep 2026 · Not legal advice