There is only one lender for co-ops in Rossmoor - that lender is NCB. The downpayment is 30%. If you qualify for a loan - the liquid asset and income requirements are waived.
I hope this answers your questions. I specialize in Rossmoor properties - and I live there.
Dave is right, Rossmoore is more concerned with you paying for the monthly fees associated with living there so they certain requirements. The down payment issue sounds like something your lender is requiring, I would get a second opinion if you are questioning it. I can give you some names if you need them.
Erica Jones Starkey
JSCA Real Estate Group
Providing Superior Solutions for Your Individual Real Estate Needs
I'm not sure where you got the $75,000 in liguid assets, though. Also, to my knowledge the down payment is not fixed at 30%. That's between you and the lender