Follow association dues, a specific unit assessment and the cash left after buying through the same housing budget.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-24.3
Highest modeled monthly housing cash$21,695
Down payment and buying cash$100,000
Cash left immediately after buying$40,000
Lowest modeled cash balance$23,515
Maximum unfunded cash requirement$0
Average monthly housing cash$4,035
Association dues during the window$41,411
Assessment cash paid in the window$18,000
Assessment principal remaining$0
Assessment cash beyond the window$0
All figures are entered assumptions. No project approval, legal payment right, future assessment, loan offer, local dues average, tax treatment, reserve adequacy or investment return is inferred. An installment schedule is hypothetical until the association or financing provider confirms it. Other monthly costs are flat; negative cash exposes missing funding without creating a loan. Mortgage insurance is held flat while the mortgage has scheduled payments; no automatic cancellation rule is applied. Future assessment cash includes entered interest/charges, while remaining principal does not.
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Review what carries across, then continue in another tool. The remaining values are examples to check.
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A SMALL CHANGE / A DIFFERENT VIEW
Unit assessment another $10,000 higher
Highest modeled monthly housing cash
Current scenario$21,695
→
Changed assumption$31,695
One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.
READ THE RESULT
What the numbers are telling you.
A monthly housing allowance is entered cash, not a lender affordability decision. A reserve can fund a costly month without making that month inexpensive.
Dues change only at the modeled annual anniversaries. An entered assessment follows its own due date and payment schedule.
A negative cash balance identifies an unfunded requirement; later surplus does not prove an earlier bill was paid.
A GOOD QUESTION
Does paying an assessment prove the condo project is financeable?
No. This is cash planning, not a project review. The lender still evaluates the actual project, borrower and product. A status lookup with no findings is not proof of Fannie Mae approval.
Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.
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OPEN METHODS / BETTER QUESTIONS
Understand what the number means.
The calculation
Subtract down payment and buying costs from entered starting cash. Each modeled month adds the stated housing allowance and pays mortgage P&I, mortgage insurance while the loan remains, taxes, unit insurance, other spending, association dues and the entered assessment schedule. Dues change on months13,25 and subsequent anniversaries. Assessment installment interest accrues monthly on the unpaid balance; a lump sum has no installment interest.
All figures are entered assumptions. No project approval, legal payment right, future assessment, loan offer, local dues average, tax treatment, reserve adequacy or investment return is inferred. An installment schedule is hypothetical until the association or financing provider confirms it. Other monthly costs are flat; negative cash exposes missing funding without creating a loan. Mortgage insurance is held flat while the mortgage has scheduled payments; no automatic cancellation rule is applied. Future assessment cash includes entered interest/charges, while remaining principal does not.
Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.