NYC buyer preparation · Financial disclosure

Put the complete financial picture in one place.

Organize assets, liabilities, income and projected housing expenses step by step—then generate a structured REBNY financial statement PDF for review.

Prepare the statement
01 · ResourcesAssets and liquidity
02 · ObligationsLiabilities and debt
03 · CapacityMonthly income
04 · CarryProjected expenses

Interactive REBNY form

Build the statement one section at a time.

Start with the fields relevant to your purchase. Open each section as needed, review the live summary, and verify the generated PDF before sharing it.

Assets Carefully itemize and list all your liquid (cash, stocks, bonds, and properties, etc.) and non-liquid assets ( sep IRA, 401K, etc.)
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Liabilities Carefully Itemize and list all of your liabilities on an annual basis (loans, mortgages, car payments etc.)
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SOURCE OF INCOME (MONTHLY) Enter your income and any co-applicant’s income. You will need to be specific here and include you monthly salary and include overtime, bonus or commission earned monthly. Also include other income when applicable.
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CONTINGENT LIABILITIES
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GENERAL INFORMATION This section is to include your bank details and account numbers, if you feel uncomfortable doing so please leave blank and enter the information into the PDF generated.
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PROJECTED EXPENSES / MONTHLY This section includes the cost if you are approved for and end up purchasing the subject property. The expenses vary depending on the property you plan to purchase. The expenses include monthly common charges and maintenance fees, as well as the projected mortgage loan payments for the property and other monthly expenses.
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SCHEDULE OF BONDS AND STOCKS
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SHOW MORE SCHEDULE OF BONDS AND STOCKS
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SCHEDULE OF REAL ESTATE
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SCHEDULE OF NOTES PAYABLE
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SHOW MORE SCHEDULE OF NOTES PAYABLE
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Summary

APPLICANT
CO-APPLICANT
COMBINED
Total Assets
$0
$0
$0
Total Liabilities
$0
$0
$0
Total Net Worth
$0
$0
Total Source of Income
$0
$0
Total Projected Expenses / Monthly
$0

Choose your document

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Statement architecture

Four sections tell one financial story.

The statement is most useful when each number is current, internally consistent and supported by the documentation likely to be requested later.

01 · Assets

Separate liquid resources from long-term holdings.

Organize bank funds, marketable securities, retirement accounts, real estate and other assets without counting the same value twice.

02 · Liabilities

Disclose obligations clearly and completely.

Include mortgages, loans, credit-card balances, taxes and other debts so net worth and recurring obligations remain credible.

03 · Income

Use income figures that can be supported.

Salary, bonuses, commissions, dividends, rental income and business income may require different documentation and treatment.

04 · Expenses

Model the home after closing.

Include mortgage payments, maintenance or common charges and other projected obligations associated with the intended purchase.

Before the statement is shared

Run four consistency checks.

Dates

Use figures and supporting documents from a consistent and reasonably current period.

Ownership

Assign joint and individual assets or liabilities to the correct applicant without duplication.

Liquidity

Distinguish cash and marketable holdings from retirement, real estate and other less-liquid assets.

Purchase

Reconcile contract deposit, down payment, closing costs and post-closing reserves with the proposed offer.

Frequently asked questions

REBNY financial-statement questions, answered.

What is a REBNY financial statement?

It is a standardized personal financial statement used in many New York City resale transactions to summarize assets, liabilities, income and projected housing expenses.

Is the calculator a board approval or lender decision?

No. It is an organizational tool. Sellers, lenders, managing agents and boards apply their own standards and may request additional documentation.

Should retirement accounts be treated as cash?

Retirement holdings are assets, but they are not always treated as immediately available liquidity. Keep them separate from cash and marketable non-retirement funds.

Do I need to enter complete account numbers?

No. This calculator does not require complete bank-account numbers. Limit sensitive details and verify the final document before it is shared.

Can the statement accompany an offer?

Yes, when requested and appropriately reviewed. Coordinate the statement and supporting offer materials with your buyer’s agent and other transaction professionals.

Offer preparation

Submit Offer Form

Open form  → Qualification

Debt-to-Income Calculator

Open calculator  → Reserves

Post-Closing Liquidity

Open calculator  → Cash planning

Buyer Closing Costs

Open calculator  →

From offer to board package

One financial picture. Two different reviews.

A listing agent may request financial disclosure with a co-op offer. After acceptance, the managing agent or board package commonly asks for a current REBNY financial statement—or the building's own equivalent—supported by the required records.

01 · Offer presentation

Use the listing agent's preferred format.

If the listing agent requests ELIKA's Submit Offer Form, organize price, financing, contingencies, timing and financial capacity there. It presents the proposed transaction clearly without replacing the building's later application requirements.

Open the Submit Offer Form
02 · Board package

Update the formal financial statement.

For a co-op board package, confirm the building's current instructions, update every figure and assemble the requested supporting documentation. Review the final statement with your buyer's agent and appropriate professional advisors before submission.

Continue with the REBNY statement

Requirements differ by building and transaction. The listing agent, managing agent and board package instructions determine which form and documents apply.

Buyer-side financial preparation

Make the statement support the offer—not slow it down.

Review a purchase plan +1 212 590 0540

Buyer financial profile

The statement should tell one consistent financial story.

Assets, liabilities, income, housing expense and projected post-closing liquidity should reconcile across the financial statement, supporting documents and offer package.

01 · Assets

List resources clearly and completely.

Cash, securities, retirement assets and real-estate interests should be stated consistently with supporting records.

02 · Liabilities

Include recurring and secured obligations.

Mortgage debt, installment loans, revolving balances and other liabilities should not conflict with the application file.

03 · Income

Use income that can be documented.

Salary, bonus, self-employment and investment income may require different forms of support.

04 · Carry

Project the new monthly housing burden.

Mortgage, maintenance or common charges and taxes where applicable help show post-purchase capacity.

05 · Liquidity

Show what remains after closing.

Co-op boards and lenders may focus closely on liquid assets remaining after down payment and closing costs.

06 · Consistency

Reconcile before submission.

The financial statement, REBNY form, lender documents and board package should tell the same story without unexplained discrepancies.