FHA reserve requirements depend on property type, AUS findings, and risk factors. See when cash reserves are needed with The 2 Mortgage Guys.
FHA reserve requirements depend on property type, AUS findings, and risk factors. See when cash reserves are needed with The 2 Mortgage Guys.
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Sometimes — FHA does not always require large cash reserves on a simple one-unit purchase, but reserves become more important for multi-unit properties, manual underwriting, thin credit, or when AUS asks for compensating factors. Ryan and Steve quote your likely reserve target early so cash-to-close surprises do not derail closing.
Reserves are verified assets left after closing — not the same as your down payment.
Only assets that remain after cash to close — and meet FHA and lender documentation rules — count toward reserves.
Reserve targets vary by property type, AUS findings, and lender overlays — always confirm your specific number.
We separate cash to close from post-closing reserves so you know exactly what to bring to the table.
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Ryan & Steve will estimate your cash to close, verify eligible assets, and quote your likely reserve target — so you know exactly what to plan for before you write an offer.
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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1221 Appletree Lane, Kokomo, IN 46902
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