Your condo building must save 10% for repairs to keep that mortgage option

10% is the number for condo buyers to know. To pass Fannie Mae's Full Review, which decides if buyers can get Fannie-backed mortgages, the whole building must put 10% of its budget into savings for repairs, like a roof fund. Under Fannie Mae's August 2026 rules, the test uses the building's budget. Fall short, and that route is closed.