---
title: Association does not have enough reserves for me to get a mortgage
description: The condo I put an offer on has an association without 10% in reserves.  I was told my FHA loan can not be approved unless I come up with a bigger down payment.  Any ideas?  I am in New Jersey. 
image: https://www.condoassociation.com/hubfs/Stock%20images/Home%20Icon%20on%20Multicolor%20Puzzle.-1.jpeg
---

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# Association does not have enough reserves for me to get a mortgage

| [Budgets & Finance](https://www.condoassociation.com/blog/topic/budgets-finance) |  

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## What do you think? Question:

The condo I put an offer on has an association without 10% in reserves.  I was told my FHA loan can not be approved unless I come up with a bigger down payment.  Any ideas?  I am in New Jersey. 

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## What do you think? Answers (10)

#### What are your thoughts on this topic?

***Comments and postings are not legal advice**, but are the opinions of our readers. This forum and its contents are being monitored. Please be respectful of each other. *  
  

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