State laws
Washington reserve and disclosure rules
The Washington statutes and agency rules that govern reserves, budgets, and HOA disclosures — translated into plain language with the source cited. Not legal advice.
Washington HOA reserve funding rules, in plain language
Why Washington HOA reserves sit inside an active statutory transition — legacy RCW 64.38 is repealed effective January 1, 2028 and the successor WUCIOA framework (RCW 64.90) is already in force for many communities — and what the dual-framework reality means for a board, owner, or buyer.
Next step
Want to see how these Washington rules apply to a specific HOA?
Reading the rule is step one. Putting it against a real budget is step two — pick the option that fits and we'll start with the state already filled in.