United States / New Jersey

New Jersey reserves, budgets, and disclosure rules.

Everything we publish for New Jersey: the state's reserve and disclosure rules in plain language, budget guides for boards, owners, and buyers, and snapshots of specific communities where we have something concrete to say.

2 guides 4 law explainers 2 communities 1 playbook

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Guide

How to review an HOA budget before you buy

A buyer-first guide to the budget lines, reserve clues, and document requests that matter before you commit to any HOA.

buyer, owner Guide

What HOA board members should collect before running reserve scenarios

A board-first checklist for the minimum financial inputs required before an HOA scenario tool can tell the truth.

board

Owner playbook

Questions to ask your New Jersey community association board about reserves

A plain-language question list and ready-to-send email for New Jersey condo and HOA owners who want to know whether their board is meeting the mandatory capital reserve study, 30-year funding plan, and reserve-fund-handling requirements under the Structural Integrity Law (N.J.S.A. 45:22A-44.2 and 44.3) and the Condominium Act (N.J.S.A. 46:8B-15(e)).

Questions + ready-to-send email

Law

New Jersey condo board meeting notice rules, in plain language

How New Jersey's Condominium Act handles board meeting notice — 48 hours written advance notice plus physical posting on the property and filing with the business office, open meetings required except working sessions, and why owner participation remains at the board's discretion.

N.J.S.A. 46:8B-13 — New Jersey Condominium Act, bylaws and board meeting requirements Law

New Jersey condominium reserve funding rules, in plain language

How New Jersey's Condominium Act actually handles reserves — through mandatory fund-handling and accounting rules for reserve funds once identified, without itself imposing a reserve-study cadence or funding formula — and what that means for a board, owner, or buyer alongside the separate PREDFDA reserve-study overlay.

N.J.S.A. 46:8B-15(e) — New Jersey Condominium Act, reserve fund handling and accounting Law

New Jersey HOA board meeting notice rules, in plain language

How New Jersey's Planned Real Estate Development Full Disclosure Act handles board meeting notice — 48 hours written advance notice for any meeting where a binding vote will be taken, open meetings required, and an annual schedule posting requirement.

N.J.S.A. 45:22A-46 and N.J.A.C. 5:26-8.12 — Planned Real Estate Development Full Disclosure Act and Radburn Law DCA regulations, executive board meetings Law

New Jersey HOA reserve funding rules, in plain language

How New Jersey's Planned Real Estate Development Full Disclosure Act and the 2024 Structural Integrity Law actually handle reserves — through a mandatory capital reserve study on a five-year cadence, a 30-year funding plan, credentialed preparer requirements, structural inspections for covered buildings, and a time-limited 85 percent reduced-funding option — and what that means for a board, owner, or buyer.

N.J.S.A. 45:22A-44.2 and 45:22A-44.3 (capital reserve study and reserve funding, as added by P.L. 2023, c. 214 and amended by P.L. 2025, c. 132) — Planned Real Estate Development Full Disclosure Act, plus C.52:27D-132.2 through 132.5 (structural inspections for covered buildings)

HOA