A recent Common Cause study of 412 House members seeking reelection found that they reported an average of $155,528 cash on hand at the end of 1987 -- 45 percent higher than the average $107,532 cash on hand reported at the end of 1985.

Federal election laws allow members of Congress who were in office on Jan. 8, 1980, to keep campaign contributions for personal use after leaving Congress.

Common Cause, a citizen's lobbying group, found that as of Dec. 31, 1987, 25 House members had more than $400,000 each in cash-on-hand. The study says that five -- Reps. David Dreier, Mel Levine, Charles E. Schumer, Steve Bartlett and Joseph J. DioGuardi -- are not eligible to convert surplus funds to personal use.

The 25 House members are:

......................................... ........................

Representative...............Cash on hand ....% of vote won in '86

David Dreier (R-Calif.)........$1,106,695 .....................72%

Dan Rostenkowski (D-Ill.)........$904,149 .....................79%

Stephen J. Solarz (D-N.Y.).......$880,998 .....................82%

Mel Levine (D-Calif.)............$847,138 .....................64%

Ronnie G. Flippo (D-Ala.)........$710,433 .....................79%

Matthew J. Rinaldo (R-N.J.)......$652,715 .....................79%

John J. Duncan (R-Tenn.).........$607,784 .....................76%

Robert T. Matsui (D-Calif.)......$595,621 .....................76%

Larry J. Hopkins (R-Ky.).........$578,187 .....................74%

Carlos J. Moorhead (R-Calif.)....$554,724 .....................74%

Charles E. Schumer (D-N.Y.)......$518,433 .....................93%

Bill Archer (R-Tex.).........$517,641 .....................87%

Tom Bevill (D-Ala.)..............$517,126 .....................78%

Steve Bartlett (R-Tex.)......$512,572 .....................94%

William S. Broomfield (R-Miss.)..$495,538 .....................74%

Dante B. Fascell (D-Fla.)........$493,242 .....................69%

James H. Quillen (R-Tenn.).......$492,117 .....................69%

Joseph J. DioGuardi (R-N.Y.).....$475,923 .....................54%

Sam M. Gibbons (D-Fla.)..........$465,763 ...............unopposed

Doug Barnard Jr. (D-Ga.).........$462,868 .....................67%

William L. Dickinson (R-Ala.)....$457,628 .....................67%

Marvin Leath (D-Tex.)........$448,816 ....................100%

Beryl Anthony Jr. (D-Ark.).......$445,190 .....................78%

Norman F. Lent (R-N.Y.)..........$436,027 .....................65%

Brian J. Donnelly (D-Mass.)......$422,376 ....................100%