Your lender
Since August 3, 2026, far more condo loans get a full review of the budget and reserves, and the reserve line rises to 15% in 2027.
Lender requirementsGeorgia Reserve Studies
Georgia law doesn't require one, but lenders, insurers and buyers expect it. We match your board with one firm that covers your county.
Three parties ask for a study. None of them is the state.
Neither the Condominium Act nor the Property Owners' Association Act sets a reserve rule. Lending, insurance and resale do the asking instead.
Your insurer
They ask how old each roof is and whether money is set aside to replace it. On actual cash value cover, an older roof pays out less.
Condominium reservesYour buyers
They and their agents ask what is in reserve and what is coming due. A current study answers in one document.
Georgia law on reservesOne big bill, two ways to pay it
Pick a replacement and see it per home, two ways. Illustrative, not a study.
Pay as a special assessment
$4,920
per home, all at once, in 2033
Save monthly from now
$59
per home, each month, for 84 months
Saved by monthSpecial assessment at the due date
Cost rises 3% a year; savings earn nothing. Limit: O.C.G.A. 44-3-80(g). Special assessments
What a study costs
| Community | Full study |
|---|---|
| 1 to 49 homes | $1,500 to $5,000 |
| 50 to 149 homes | $2,000 to $8,000 |
| 150 to 299 homes | $5,000 to $20,000 |
| Mid-rise and high-rise condos | $7,000 to $15,000+ |
Typical ranges, a guide, not a quote. The cost guide
Get a quote
Start with the ZIP code, so we know which firms cover the area. Then your contact details. The final questions are optional.
We are a referral service, not a reserve study firm. We choose one firm that covers your county, tell you who it is, and pass your request on only when you agree.
Request received.
- Within one business day we come back to you, by phone or email, naming a reserve study firm that works in your county.
- Agree, and we send that firm your request. Decline, and nothing is passed on.
- The firm confirms the scope and sends its fee. We never charge the association.