Submission-Ready Capital Needs Assessments for HUD & USDA
We prepare CNAs that document current conditions and a 20-year capital plan—formatted exactly for the HUD CNA e-Tool or the USDA RD template. Completed by qualified, independent professionals so lenders, agencies, and owners can move forward with confidence.
What it is?
A Capital Needs Assessment (CNA) is a 20-year physical and financial projection for federally assisted multifamily housing. It records property and site conditions, builds a replacement reserve schedule, and evaluates funding sufficiency over the term.
HUD CNAs
HUD CNAs are submitted in the CNA e-Tool and use the HUD Cost Library; accessibility compliance (ADA/UFAS) is addressed where applicable.
USDA CNAs
USDA CNAs use the USDA Rural Development (Excel-based) template submitted to RD offices, with emphasis on maintaining decent, safe, sanitary housing and meeting RD reserve rules. All CNAs are performed by qualified reserve specialists trained to render acceptable reports to the respective program.
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Who Needs it?
Property Developers and Managers
Owners of Section 515 Rural Rental Housing and Section 514/516 Farm Labor Housing. Trigger events: New loan origination or transfer, preservation/refinancing, RD preservation programs, and periodic asset-management requirements. Update cadence (both programs): event-driven—at financing/renewal/transfer or when requested; HUD commonly aligns updates with PBRA renewals (~10 years).
Why Choose Alliance?
Submission-Ready Accuracy
Every CNA is formatted exactly to HUD or USDA requirements—reducing rework, resubmissions, and delays in approval.
Program Expertise
We navigate HUD’s CNA e-Tool and USDA RD protocols daily—ensuring your report meets every technical and procedural standard.
Fixed, Transparent Pricing
A clear, all-inclusive rate covers the entire process from inspection to submission—no hidden fees, ever.
One Expert, Start to Finish
Your certified project manager handles every stage of your CNA—site visit, analysis, and submission—so nothing gets lost in translation.
Responsive Coordination
We communicate directly with lenders, consultants, and agency reviewers to keep your project moving without bottlenecks.
Proven Success Record
Trusted by developers, lenders, and owners across federally assisted housing programs for accurate, regulator-approved reporting.
Core CNA scope (both HUD & USDA):
Property & site description
20-year replacement reserve schedule (timing and costs)
Financial analysis of deposits and reserve sufficiency
Full Component Inventory
Book a Consultation
Step By Step Timeline
Scope & Proposal
We review your program (HUD or USDA), trigger event, and deliverables, then provide a clear proposal with scope and timeline.
On-Site Condition Survey
A qualified, independent professional inspects the property and site to document major systems and record required details.
20-Year Planning & Analysis
We develop the replacement reserve schedule and financial sufficiency analysis for the full 20-year term, per program rules.
Platform Preparation
Your CNA is built in the correct format: HUD CNA e-Tool (with HUD Cost Library and required forms) or the USDA RD Excel template submitted to RD offices. HUD accessibility (ADA/UFAS) is addressed where applicable.
Draft Review
Owner/lender reviews the draft CNA; we make any required adjustments prior to submission.
Submission & Coordination
We submit through the applicable platform and coordinate with reviewers—responding to agency comments until the CNA is finalized for your financing, renewal, or transfer.
Let’s Collaborate!
Ready to get your reserve study accepted?
We're here to help. Book a consultation and we'll show you a clear path to compliance - with requirements, timeline, and cost.
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Alliance Reserve Services
5036 Dr Phillips Blvd #1101 Orlando, Fl 32819
Serving all 67 counties of Florida.
