Category

HOA Finances.

HOA Finances articles from Tidewater — practical guidance for HOA and condo boards across the Mid-Atlantic. 2 articles.

2 articles
Reserve study binder on a community room table before an HOA board budget meeting
HOA Finances

HOA reserve study guide: what it is (and when you need one).

An HOA reserve study turns “are our reserves okay?” into a number. What the study covers, how percent funded works, what reserves can and cannot pay for, and what Maryland now requires — the five-year ramp and the borrowing rule included.

September 29, 2026 · 11 min read
Well-maintained townhome community common area managed under an HOA budget
HOA Finances

What are HOA fees? What they cover, why they change, and what happens if you don’t pay.

An HOA fee covers insurance, upkeep, and the reserves that pay for future repairs — but who decides the amount, and why does it keep going up? A plain-English guide to what HOA fees fund and how boards set them.

August 4, 2026 · 8 min read

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