Save this deal! What can I do..

[Gustavo Delgado]

I have a condo of mine under contract. Everything was running fine until Underwriting wants to know about the 10% for reserves in the HOA account. The annual budget for the hoa is $850k so they want to see $85k in the reserves. The HOA, had a balance of $195k at the beginning of the year and is expected to have $207k by year end. So the HOA is only allocating $12k to reserves and not the 10%. My hangup is that even though the HOA is not allocating $85k for the reserved this year, they will have over $200k in reserves (over 20% of the $850k budget) Everything else has been cleared by the underwriter (insurance policy, occupancy rate, ect..) but I am concerned this deal will fall through because of this issue.

What are any contingency plans or other options we can look at in the event this will not close.