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 statementInteractive 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.
Choose your document
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OPTIONAL NEXT STEP
Explore your co-op financial readiness
Use figures from your REBNY statement to explore a possible co-op purchase: estimated debt-to-income, funds remaining after closing and post-closing reserves.
- Carry your figures forwardCopy available financial amounts into a separate worksheet in this browser.
- Review and completeCheck the copied amounts and enter any missing costs, financing details and assumptions.
- Explore a scenarioCompare adjustable targets, then discuss the results with your broker or attorney.
Educational estimates only. Assumptions may differ from actual building or lender requirements. No result guarantees board or lender approval. Confirm current requirements with your broker or attorney before submitting an offer.
Two free calculator sessions; then a free account with a verified email. Market updates are optional. Starting this check does not submit your offer or financial statement.
Readiness limitations and privacy disclosures
Planning estimates, not an approval decision
This worksheet provides illustrative arithmetic from information you enter. It is not financial, legal, tax or mortgage advice, an underwriting decision, a board-approval prediction, or a substitute for a building’s current requirements. No result guarantees approval, affordability, financing or any transaction outcome.
ELIKA does not verify your entries or represent that these scenarios apply to a particular building. Reserve and debt-to-income targets are adjustable planning assumptions and may differ from a building’s or lender’s actual requirements. Before submitting an offer or making a financial commitment, review the results and confirm current requirements with your broker or attorney. Your attorney should advise on legal requirements and governing documents.
Review the amounts you carry over
Only available numeric financial figures are copied. Names, contact details and property addresses are not copied into the readiness worksheet. Blank figures and untouched default zeros are not confirmed amounts. Review every copied amount and supply the missing assumptions. Later changes to your original form are copied only when you choose “Refresh figures from my form.”
Your information and saved copies
The readiness handoff copies figures locally in your browser. The readiness worksheet does not email, upload or send financial details to ELIKA, an agent, a CRM or a co-op board. Its access check uses account and session information, not your financial figures. The original form’s own submission, email and download controls remain separate.
Reloading or leaving clears unsaved worksheet entries. Downloads, printed copies and screenshots remain wherever you save or share them. Downloaded drafts are not encrypted; avoid saving them on shared devices. Browser extensions and your device’s own features are outside this tool’s control. Review ELIKA’s Privacy Policy (opens in a new tab).
Using or sharing a scenario for someone else
Only enter information you are authorized to use. Obtain permission before entering, saving or sharing another person’s financial information. Using this worksheet does not itself create an agency or advisory relationship with ELIKA or mean ELIKA has reviewed, verified, certified or endorsed the inputs or results. When sharing a summary, retain its assumptions, date and complete limitations. Do not describe an output as ELIKA, lender or board approval.
The worksheet includes additional limitations and requires acknowledgment before showing estimates. Saving or printing requires a separate choice. These notices do not waive legal rights or exclude obligations that cannot lawfully be excluded.
Tax reference: New York State TP-584-NYC instructions. Rates checked September 29, 2026. Verify current law and transaction-specific exceptions with counsel.
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.
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.
Disclose obligations clearly and completely.
Include mortgages, loans, credit-card balances, taxes and other debts so net worth and recurring obligations remain credible.
Use income figures that can be supported.
Salary, bonuses, commissions, dividends, rental income and business income may require different documentation and treatment.
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.
Use figures and supporting documents from a consistent and reasonably current period.
Assign joint and individual assets or liabilities to the correct applicant without duplication.
Distinguish cash and marketable holdings from retirement, real estate and other less-liquid assets.
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.
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.
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 FormUpdate 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 statementRequirements 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.
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.
List resources clearly and completely.
Cash, securities, retirement assets and real-estate interests should be stated consistently with supporting records.
Include recurring and secured obligations.
Mortgage debt, installment loans, revolving balances and other liabilities should not conflict with the application file.
Use income that can be documented.
Salary, bonus, self-employment and investment income may require different forms of support.
Project the new monthly housing burden.
Mortgage, maintenance or common charges and taxes where applicable help show post-purchase capacity.
Show what remains after closing.
Co-op boards and lenders may focus closely on liquid assets remaining after down payment and closing costs.
Reconcile before submission.
The financial statement, REBNY form, lender documents and board package should tell the same story without unexplained discrepancies.
