If you had a sample budget showing figures of 10% showing toward reserve it would be greatly appreciated. We are trying to apply to FHA for re-certification and have run into a snag. Thought we had done things properly but have been questioned by the bank who is ushering it through for us. We are 52 units showing dues of $144,840. Disbursements of $137,128. Reserve of $13,713 resulting in total cash of $150,841. We had a carryover approx. 6,000 which our covenants tell us to credit back which then made our Dues/Revenue the $144,848. The bank has divided the dues into the reserve reflecting then only 9.1% reserve. And it has to be 10%. Can anyone help us with suggestions?