Required Documents
REBNY Financial Statement
Standard financial disclosure form used by most NYC co-ops. Lists all assets, liabilities, income, and expenses.
Federal Tax Returns (2 years)
Complete returns with all schedules and W-2s. Both applicants if filing separately.
Bank Statements (2-3 months)
All accounts — checking, savings, investment. Every page, including blank ones.
Pay Stubs (2 most recent)
From current employer for each applicant. Shows gross income, deductions, YTD.
Employment Verification Letter
From HR or your manager. Confirms title, salary, start date, and employment status.
Personal Reference Letters (2-3)
From friends, neighbors, or community members. Not family. Should speak to character and reliability.
Professional Reference Letter
From a colleague, supervisor, or business associate. Speaks to professional standing.
Landlord Reference Letter
Current landlord confirms tenancy, rent amount, payment history, and apartment condition.
Government-Issued Photo ID
Driver's license or passport for each applicant.
Signed Purchase Contract
Fully executed contract of sale for the apartment.
Mortgage Commitment Letter(may be required)
From your lender, if financing. Confirms loan amount, rate, and approval.
Credit Report(may be required)
Recent report from any major bureau (Equifax, Experian, TransUnion).
Homeowner's Insurance Binder(may be required)
Proof that you have or will obtain insurance for the unit.
Personal Statement / Board Letter(may be required)
A letter introducing yourself to the board. Explains who you are, why this building, and your plans.
Pro Tips
Every co-op is slightly different
While this checklist covers the standard requirements, your specific building may ask for additional items. Boardpack's building database knows the requirements for 4,700+ NYC co-ops.
Include every page
Bank statements and tax returns must include ALL pages, even blank ones. Missing pages are the #1 reason boards request resubmission.
Start early on reference letters
Reference letters take the longest to collect. Ask your references 2-3 weeks before you need them. Or use Boardpack's AI to draft them — your references just review and sign.
Skip the manual work
Boardpack assembles your board package automatically. Upload your documents, our AI organizes everything, and you get a professional PDF in minutes.
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