Practice Area

HOA Reserve Fund — What Homeowners Have the Right to Know

Texas Property Code § 209.005

Situation — How This Comes Up

I suspect our HOA’s reserve fund is dangerously underfunded but the board won’t discuss it.

What You Need to Know First

Reserve fund adequacy directly affects property values and future special assessments. Texas homeowners have the right to review reserve fund disclosures — and a board that refuses to discuss reserves may be concealing a serious financial problem.

Full Analysis

Texas law requires HOAs to disclose reserve fund information to homeowners. An underfunded reserve is a warning sign of future special assessments and potential financial distress. Homeowners can demand financial records and challenge the board’s reserve fund management.

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The information on this page is for general informational purposes only. Nothing here constitutes legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney–client relationship. © 2026 Silachi Law Firm, PLLC · Texas Bar No. 24118480