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Cohabitation Agreement

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NONMARITAL COHABITATION AGREEMENT

AGREEMENT made this date, by and between , hereinafter referred to as "First Party", and , hereinafter referred to as "Second Party".

RECITALS

A. The parties to this Agreement have been living together since , at , City of , County of , State of , and it is their intent to continue such living arrangement.

B. The parties intend by this Agreement to define their property rights with one another.

C. The parties do not intend that any informal or common-law marriage shall arise by virtue of the parties cohabiting with one another.

IT IS THEREFORE AGREED:

1. Consideration. The consideration for this Agreement consists of the mutual promises of each party to act as the companion and homemaker to the other, in addition to the other promises contained in this Agreement. The furnishing of sexual services forms no part of the consideration for this Agreement. Any services which either party may provide to the other or for the benefit of the other are fully compensated by this Agreement.

2. Earnings as Separate Property. The earnings of each party, while living together, shall remain their separate property and shall not be subject to division on termination of the parties' relationship.

3. Payment of Living Expenses. The parties agree that First Party shall pay percent and Second Party shall pay percent of their living expenses while they are living together. First Party shall deposit $ monthly and Second Party shall deposit $ monthly into a joint checking account on which either party may draw. Any property purchased from such account and any balance in this account shall be owned in the same percentages as contributions to the account.

4. Assets and Liabilities as Separate Property. Each of the parties agrees that property owned or acquired by either party shall remain the separate property of each party. This property shall include, but not be limited to, all property, whether real or personal, owned by either party at the effective date of this Agreement; all property acquired by either party out of the proceeds or income from property owned at the effective date of this Agreement or attributable to appreciation in value of such property; and all property hereafter acquired by either party by gift, bequest, devise or inheritance, or income from such property, or attributable to appreciation in value of such property.

Neither party shall be liable for the individual and separate debts incurred by the other party.

5. Present Financial Condition of Each Party. A balance sheet of each party has been attached hereto. Neither party represents his or her respective balance sheet to be an exact computation of his or her assets and liabilities, but such balance sheet constitutes a reasonable approximation of each party's assets and liabilities. Each party represents to the other that he or she has fully disclosed to the other his or her financial situation by the representations contained in such balance sheet subject only to the warning that such balance sheet was prepared informally and not by professional accountants.

6. Fiduciary Relationship. Each of the parties promises to act in good faith and to deal fairly toward the other in the management of their joint property and in living under the terms of this Agreement.

7. Commingling of Separate and Joint Property. Where either or both of the parties commingle his or her separately owned property with jointly owned property, the commingled property shall be presumed to be the jointly owned property of the parties, unless the commingling party reasonably demonstrates that the separately owned property can be traced.

8. Legal Names of Parties and Children. Each party shall keep his or her respective surname as the legal name of such party. The parties agree, however, that any child or children of the parties shall be given the surname of .

9. Support, Maintenance, and Education of Children. Each party to this Agreement shall furnish the necessary clothing, food, shelter and medical attendance, or other remedial care, for any child or children of the parties. Furthermore, each party shall furnish the amount for support and education of such child or children that is reasonable under the circumstances, taking account of such child's or children's needs and the financial circumstances of the parties. The obligations of the parties under this Agreement to provide support, maintenance, and education for their child or children shall terminate for each such child receiving support, maintenance, and education when such child dies, attains majority, is married, or is otherwise emancipated, whichever of these events shall occur first.

10. Complete Agreement. This Agreement sets forth the entire Agreement between the parties with regard to the subject matter hereof. All agreements, covenants, representations and warranties, either express or implied, oral or written, of the parties with regard to their financial relationship, either past, present or future, commencing as of the date they began living together and terminating if and when they separate, are contained in this Agreement.

11. Severability of Provisions. If any provision of this Agreement is held by a court of competent jurisdiction to be invalid, void, or unenforceable, the remaining portions shall nevertheless continue in full force and effect without being impaired or invalidated in any way.

12. Amendment. This Agreement can only be amended by a written agreement signed by both parties.

13. Effect of Death. Each of the parties waives the right to be supported by the other after the death of either party.

14. Effective Date and Termination. This Agreement shall be effective as of the execution date of this Agreement and shall continue until terminated on the written consent of the parties, the separation of the parties or the death of either party, whichever of these events shall occur first.

15. Division of Property. On termination of this Agreement, the parties shall immediately divide their jointly owned property. If the parties are unable to agree on a division of their property, an appraiser shall divide such property. The appraiser shall inventory and appraise at fair market value the property jointly owned by the parties at the time of termination of this Agreement. Unless the parties agree to the contrary, Appraiser shall divide the jointly owned personal property equally or nearly equally between the parties using the appraised market value as the basis for division. Appraiser shall also appraise any real property jointly owned by the parties at the time of termination of this Agreement, set the appraised value of such real property based on its fair market value, and fix the percentage representing each of the parties' individual ownership interest in each such property.

16. Governing Law. This Agreement shall be governed by, and construed in accordance with, the laws of the State of .

IN WITNESS WHEREOF, the parties have executed this Agreement at on this day of , 20.

_______________________________________

First Party

_______________________________________

Second Party

________________________________________

Witness

________________________________________

Witness

Enter text✕

What a Cohabitation Agreement Is and When Parties Use One

A Cohabitation Agreement is a private written contract between two adults who live together or plan to live together, defining financial responsibilities, property rights, debt allocation, and expectations during the relationship and after separation. It clarifies ownership of jointly used property, divides expenses, records contributions toward major purchases or improvements, and can include dispute resolution and termination terms. While it does not replace state family law, a properly executed agreement reduces ambiguity and creates a baseline that courts and advisors can consider if conflicts arise.

Why a Cohabitation Agreement Matters for Co-living Couples

A clear written agreement preserves financial clarity, documents property contributions, and reduces litigation risk by setting expectations in advance. It helps partners agree on ownership, expense sharing, and what happens if the relationship ends or one party moves out.

Why a Cohabitation Agreement Matters for Co-living Couples

Who Typically Uses a Cohabitation Agreement

Couples who share living expenses or own property together commonly use these agreements to document expectations before or after moving in together.

  • Unmarried romantic partners sharing rent, utilities, and household costs who want written clarity on expense allocation and dispute resolution.
  • Couples who purchase or renovate real estate together and need to record each party's financial contribution and ownership shares.
  • Domestic partners with separate estates who want to protect individual assets, define support obligations, or set rules for separation.

Use the agreement as a practical tool to reduce uncertainty; legal review can improve enforceability and tailor terms to state law.

Step-by-step: Completing a Cohabitation Agreement

Follow these core steps to prepare, review, and finalize a Cohabitation Agreement efficiently and with legal clarity.

  • 01
    Draft terms: List responsibilities, property ownership, and expense allocations clearly.
  • 02
    Add contingencies: Include termination, dispute resolution, and modification procedures.
  • 03
    Review legally: Each party should consider independent legal review before signing.
  • 04
    Execute formally: Sign, date, and notarize if desired to strengthen evidentiary weight.

Essential Clauses to Include in a Professional Cohabitation Agreement

A comprehensive agreement addresses ownership, financial duties, and end-of-relationship mechanics. Include clear language so obligations are measurable and enforceable.

Parties

Identify each party by full legal name, date of birth, and current address so the agreement is tied to specific individuals and avoids identity confusion.

Premises

Describe the shared residence and any other real property precisely, including street address and unit number, to anchor obligations and property clauses.

Financial Contributions

Detail rent, mortgage, utilities, and deposit contributions, specifying who pays what portion and whether payments create ownership interests or mere reimbursement rights.

Property Ownership

State title allocations for major items and real property, whether joint tenancy, tenancy in common, or separate property retained by one party.

Term and Termination

Define when the agreement begins, notice required to terminate, and how remaining obligations and division of assets are handled on separation.

Dispute Resolution

Specify mediation or arbitration processes, chosen governing law, and venue to reduce litigation costs and speed resolution.

Security and Compliance Considerations for Executing the Agreement

Encryption: TLS 1.2/1.3 and AES-256
Audit Trail: Complete timestamp and IP log
Access Controls: Role-based permissions
Compliance: ESIGN and UETA adherence
HIPAA Ready: BAA available if health data included
Certifications: SOC 2 Type II and ISO 27001

Common Preparation Pitfalls to Avoid

  • Using vague language about ownership that invites later disputes and varying court interpretations.
  • Omitting precise financial records for contributions, leaving ambiguous reimbursement or equity claims.
  • Failing to update the agreement after major life events like purchasing property or having children.
  • Skipping independent legal review, which can lead to claims of unconscionability or lack of informed consent.

Legal Risks and Consequences of a Deficient Agreement

Unenforceability: Overly vague terms may be unenforceable in court
Tax Exposure: Undeclared transfers can create taxable events
I-9/Employment Risk: Not applicable but check employment obligations
Invalid Signatures: Improper signing can void the document
Intentional Misstatement: Fraud findings carry civil penalties
Costs: Litigation and attorney fees may be substantial

Typical Online Completion and Signing Workflow

Executing a Cohabitation Agreement electronically follows a standard sequence that preserves intent and creates an audit trail for enforceability.

  • Upload Document: Upload the draft in PDF or DOCX format to the eSign platform.
  • Place Fields: Add signature, date, and initial fields where required for each party.
  • Choose Authentication: Select email, SMS code, or stronger ID verification for signer identity.
  • Complete Signing: Each party reviews and signs; platform records timestamps and IP addresses.

Recommended Digital Workflow Settings for eExecution

Configure the signing workflow to capture identity, preserve an audit trail, and retain the final executed PDF.

Field Configuration
Document Format PDF and DOCX accepted; preserve original formatting
Authentication Email link or SMS code; use KBA for higher risk
Notarization Support remote online notarization where available
Audit Trail Enable full timestamps, IP, and signer events

Technical and Integration Considerations for eSigning

Choose a platform that supports required file types, notarization, and integration with your document storage.

  • File Formats: PDF, DOCX, HTML supported
  • Integrations: Salesforce, Google Workspace, NetSuite
  • Notary Support: RON and in-person available

Ensure the provider offers audit trails and access controls that meet your evidentiary needs and industry compliance requirements.

Timing Considerations and When to Finalize the Agreement

Plan signing and any notarization before major changes such as moving in, buying property together, or taking on joint debt to ensure terms are effective when needed.

Before Cohabitation:

Finalize terms before sharing finances or signing leases

Prior to Purchases:

Execute before buying property or major joint assets

Notarization Timing:

Notarize at signing if desired for evidentiary weight

Periodic Review:

Review after major life events or every few years

Record Retention:

Keep signed originals and digital copies in secure storage

Typical eSignature Pricing and Feature Comparison for Document Execution

Compare starting price, trial availability, bulk send, audit trail, HIPAA support, and envelope limits when selecting an eSignature provider for executing Cohabitation Agreements.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial Yes, 7-day trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes (plan-dependent) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No
Envelope Cap No cap 100 envelopes/user/year limit Varies Varies Varies

Frequently Asked Questions About Cohabitation Agreements

Answers to common questions about enforceability, notarization, eSigning, and modifying a Cohabitation Agreement.


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