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Cohabitation Agreement

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Cohabitation Agreement between Parties Living Together but Remaining Unmarried

Agreement made on the day of , 20 , between (Party A) of , and (Party B) of .

Whereas, the parties to this Agreement have been living together since , at , and it is their intent to continue such living arrangement; and

Whereas, each of the parties is an unmarried adult and a resident of ; and

Whereas, (Party A) is a/an and (Party B) is a/an ; and

Whereas, each of the parties intends to continue in his or her present occupation; and

Whereas, the parties intend by this Agreement to define their property rights with one another; and

Whereas, the parties intend that this Agreement shall supersede any case and/or statutory law of defining the rights and duties of persons living together in an unmarried state; and

Whereas, the parties do not intend that any informal or common-law marriage shall arise by virtue of the parties cohabiting with one another;

Now, therefore, for and in consideration of the mutual covenants contained in this agreement, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties agree as follows:

I. Consideration

The consideration for this Agreement consists of the mutual promises of each party to act as a 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. The parties agree that any services which either party may provide to the other or for the benefit of the other are fully compensated by this Agreement.

II. 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.

III. Payment of Living Expenses

The parties agree that (Party A) shall pay % and (Party B) shall pay % of their living expenses while they are living together.

(Party A) shall deposit the sum of $ monthly and (Party B) shall deposit the sum of $ monthly into a joint checking account on which either party may draw.

Any property purchased from that account and any balance in the account shall be owned in the same percentages as contributions to the account.

IV. 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 the other 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, whether the enhancement is due to market conditions or to the services, skills, or efforts of its owners; and all property subsequently acquired by either party by gift, bequest, devise, or inheritance, or income from such property, or attributable to the appreciation in value of such property, whether the enhancement is due to market conditions or to the services, skills, or efforts of its owner. Neither party shall be liable for the individual and separate debts incurred by the other party.

V. Present Financial Condition of Each Party

A balance sheet of each party has been attached to this Agreement as Exhibits A and B. Neither party represents his or her respective balance sheet to be an exact computation of his or her assets and liabilities, but the 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 the balance sheet, subject only to the warning that the balance sheet was prepared informally and not by professional accountants.

VI. Disposition of Property

Either party to this Agreement may, by appropriate written instrument, transfer, convey, devise, or bequeath any property to the other. Neither party intends to limit or restrict in any way the right to receive any such transfer, conveyance, devise, or bequest from the other, except as expressly stated in this Agreement.

VII. Change in Status of Property

Except as otherwise provided for in this Agreement, the property or interests in property now owned or later acquired by either party, which by the terms of this Agreement is classified as the separate property of one party, can only become the separate property of the other party or the joint property of both by a written instrument executed by the party whose separate property is to be reclassified.

VIII. 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.

IX. Governing Law

The law of shall apply in the interpretation of this Agreement and the ownership of the property of the parties except to the extent the parties have expressly agreed otherwise in this Agreement.

X. Complete Agreement

This Agreement sets forth the entire Agreement between the parties with regard to the subject matter. 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. No other agreements, covenants, representations, or warranties, either express or implied, oral or written, have been made by either party to the other with respect to the subject matter of this Agreement. All prior and contemporaneous oral conversations, negotiations, possible and alleged agreements and representations, covenants and warranties with respect to the subject matter are waived, merged into, and superseded by this Agreement.

XI. Attorney Fees

Should either party retain counsel for the purpose of the enforcement or the prevention of the breach of any provision of this Agreement, including, but not limited to, the institution of any action or proceeding to enforce any provision of it, for damages by reason of any alleged breach of any provision, or for a declaration of the party's rights or obligations under this Agreement, or for any other judicial remedy, the prevailing party shall be entitled to be reimbursed by the losing party for all costs and expenses incurred by the same, including, but not limited to, costs and reasonable attorney fees for the services rendered to the prevailing party.

XII. Costs and Expenses

Each party shall bear his or her respective costs and expenses incurred in connection with this Agreement, including the negotiation, preparation, and consummation of the Agreement.

XIII. Consultation with Attorney

The parties acknowledge that, prior to the signing of this Agreement, each party consulted with an attorney of his or her choice and the terms and legal significance of this Agreement and the effect which it has upon any interest which each party might obtain in the property of the other was fully explained to each. Each party acknowledges that he or she fully understands the significance of this Agreement and its legal effect and that he or she shall sign the same freely and voluntarily and that neither has any reason to believe that the other party did not understand fully the terms and effects of this Agreement or that he or she did not freely and voluntarily execute this Agreement.

XIV. Effect of Death

Each of the parties waives the right to be supported by the other after their separation or after the death of either party.

XV. Mandatory Arbitration

Any dispute under this Agreement shall be required to be resolved by binding arbitration of the parties hereto. If the parties cannot agree on an arbitrator, each party shall select one arbitrator and both arbitrators shall then select a third. The third arbitrator so selected shall arbitrate said dispute. The arbitration shall be governed by the rules of the American Arbitration Association then in force and effect.

XVI. Amendment

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

XVII. Effective Date

This Agreement shall be effective as of , and shall continue until either the separation of the parties or the death of either party. Separation shall be as defined under the law of relating to marital separation

WITNESS our signatures as of the day and date first above stated.

PARTY A

PARTY B

(Attach Exhibits)

Certification of Attorney for Party A

I, , certify that I am a licensed attorney, admitted to practice law in ; I have consulted with , who is a party to the foregoing Agreement, and I have fully advised him/her of his/her property rights and of the legal significance of the foregoing Agreement; and has acknowledged his/her full and complete understanding of the legal consequences and of the terms and provisions of the foregoing Agreement and has freely and voluntarily executed the Agreement in my presence.

(Signature of Attorney)

Certification of Attorney for Party B

I, , certify that I am a licensed attorney, admitted to practice law in ; I have consulted with , who is a party to the foregoing Agreement, and I have fully advised him/her of his/her property rights and of the legal significance of the foregoing Agreement; and , who has acknowledged his/her full and complete understanding of the legal consequences and of the terms and provisions of the foregoing Agreement, has freely and voluntarily executed the Agreement in my presence.

(Signature of Attorney)

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What a Cohabitation Agreement Is and When It Applies

A Cohabitation Agreement is a private contract between two adults who live together without marrying, documenting property rights, financial responsibilities, and mutual expectations. Typically used by unmarried partners who share a home, it can cover division of assets, debt allocation, contribution to household expenses, and procedures for separation. While not a substitute for family‑court actions, a properly executed agreement helps reduce disputes and clarify rights. Enforceability depends on state contract law, disclosure of financial facts, and absence of coercion; legal review is recommended for complex arrangements.

Why a Cohabitation Agreement Provides Legal Clarity

A clear, written agreement reduces uncertainty about ownership, payments, and responsibilities, helping partners plan for separation, estate matters, or contributions to household expenses. It records mutual expectations and can limit future litigation when drafted and executed properly under applicable state law.

Why a Cohabitation Agreement Provides Legal Clarity

Who Typically Uses a Cohabitation Agreement

Agreements vary by circumstance; legal review ensures state requirements and fairness standards are met.

  • Long-term partners sharing a home and mortgage who want clear ownership terms and expense allocation.
  • Couples entering a new relationship with separate assets who wish to preserve premarital property or business interests.
  • Individuals with children from prior relationships who want to define inheritance and support expectations.

Common Roles Involved in the Agreement

Partner — Co-Party

Each cohabiting adult is a contracting party who must disclose assets and sign freely. Courts may scrutinize unequal bargaining power or incomplete financial disclosure when assessing enforceability.

Attorney — Legal Advisor

A reviewing lawyer can advise on state contract law, tax implications, and fairness. Independent counsel lowers the risk a court will later set aside the agreement for duress or unconscionability.

Essential Data Elements the Agreement Should Contain

Parties: Full legal names
Effective Date: MM/DD/YYYY
Property List: Real and personal property
Financial Terms: Expense and debt rules
Termination: Separation procedures
Signatures: Execution and dates

Risks if the Agreement Is Deficient

Unenforceability: Court may void agreement
Financial Exposure: Unexpected debt allocation
Tax Consequences: Unreported transfers risk penalties
Estate Conflicts: Inheritance disputes arise
Creditor Claims: Third-party creditors affected
Witness Issues: Improper execution weakens proof

Common Preparation Mistakes to Avoid

  • Failing to fully disclose assets and debts creates grounds for a court to rescind the agreement on fairness or fraud grounds.
  • Using vague terms like 'reasonable contribution' without numerical specificity leads to disputes over intent and payment obligations.
  • Allowing one party to draft without independent counsel increases risk of later challenge for duress or unconscionability.
  • Skipping notarization or witnesses when the state commonly requires them for enforceability can weaken evidentiary weight.

Step-by-Step: Completing a Cohabitation Agreement

Follow these practical steps to prepare and execute a clear, legally sound agreement between cohabiting partners.

  • 01
    Collect financials: List assets, debts, and income for full disclosure.
  • 02
    Draft terms: Define property, contributions, and separation rules.
  • 03
    Review legally: Each party should consult independent counsel.
  • 04
    Execute properly: Sign, date, and notarize as recommended by state law.

How Signing and Execution Typically Works

Execution workflows vary; here is a common process whether you sign on paper or electronically.

  • Prepare document: Draft and confirm all clauses before signature.
  • Choose signing method: Decide in-person notarization or eSignature.
  • Authenticate signers: Use ID checks, email/SMS codes, or notarization.
  • Store executed copy: Provide each party a dated PDF with audit trail.

Key Provisions to Include in a Professional Cohabitation Agreement

A complete agreement balances specificity with flexibility; include provisions that address finances, property, dispute resolution, and life events to reduce ambiguity and future conflict.

Property Allocation

Specify which assets are separate or shared, detail titles, mortgage responsibility, and how property is divided upon separation or sale.

Expense Contributions

Define how rent, mortgage, utilities, and household costs are split and whether contributions create ownership rights.

Debt Responsibility

Identify preexisting debts and how new joint debts are approved and repaid to protect each party from unexpected liability.

Support and Maintenance

Clarify if temporary financial support is expected on separation and whether spousal-style support is waived or reserved.

Inheritance

State whether the parties intend intestacy rules to apply or will create wills/trusts to reflect agreed outcomes.

Dispute Resolution

Include mediation or arbitration clauses and governing law to streamline conflict resolution and limit court involvement.

Practical Tips for Drafting an Effective Agreement

Adopt practices that improve enforceability, clarity, and fairness when preparing a Cohabitation Agreement.

Be specific with numbers and dates
Use precise dollar amounts, deadlines, and MM/DD/YYYY dates to avoid later interpretation disputes; vague language invites litigation.
Require full financial disclosure
Attach asset and debt schedules signed by each party; omissions can be grounds to set aside the agreement.
Recommend independent counsel
Encourage or require each party to obtain legal advice to reduce claims of unequal bargaining and strengthen enforceability.
Document changes in writing
Amendments should be written, signed, and dated by both parties rather than relying on informal or oral changes.

Timing, Deadlines, and Execution Considerations

While Cohabitation Agreements have no universal filing deadline, certain timing practices and notice periods affect enforceability and evidence gathering.

Effective Date:

Enter as MM/DD/YYYY; governs when obligations start.

Execution Timing:

Sign well before any separation or triggering event for stronger enforceability.

Notarization Window:

Notarize at signing if state practice recommends acknowledgement.

Amendment Notice:

Provide written notice period for material amendments.

Record Retention:

Keep signed originals and copies indefinitely with secure backups.

How to Amend or Revise an Existing Agreement

Follow a clear amendment workflow so changes remain enforceable and traceable.

01

Propose amendment:

Write the proposed change and circulate to the other party.
02

Agree terms:

Both parties review and accept revised language.
03

Draft amendment:

Create a short signed amendment document referencing the original.
04

Sign and date:

Both parties sign with the same formalities as original.
05

Notarize if needed:

Notarize to increase evidentiary weight where state practice advises.
06

Distribute copies:

Provide updated PDFs to all parties and store securely.

Typical eSigning Workflow Settings for a Cohabitation Agreement

Configure your digital workflow to capture identity, consent, and a reliable audit trail that supports enforceability.

Field Configuration
Signer Order Sequential or parallel as required by parties
Authentication Email link, SMS code, or stronger ID verification
Audit Trail Capture IP, timestamp, and action history
File Format Export signed copy as PDF/A for long-term retention

Comparing eSignature Pricing and Basic Capabilities

Basic price and capability differences can affect cost and compliance when executing legal agreements. signNow is listed first for comparison purposes.

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 7-day trial Varies Varies Varies Varies
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Real-World Examples of Digital Agreement Use

Organizations across industries use digital signing to execute agreements reliably and securely.

Martin Properties — Founder

Tim Martin streamlined execution of rental and property agreements for remote clients.

  • The team processed and executed documents online with compliance.
  • Resulting speed and consistent audit trails reduced turnaround time and supported remote closings without in-person visits.

Fertility Centers of Illinois — Founder

John Butler emphasized security and API flexibility for medical forms and consent documents.

  • The platform integrated into workflows for signed authorizations.
  • The team cited dependable support and secure storage as essential for patient documentation.

Technical and Platform Considerations for Digital Signing

Confirm platform integrations, supported file formats, and authentication options before eSigning important agreements.

  • Integrations: Salesforce, NetSuite, Google Workspace
  • Formats: PDF, DOCX, HTML
  • Authentication: Email/SMS, KBA, or stronger options

Frequently Asked Questions About Cohabitation Agreements

Answers to common questions about enforceability, signing methods, and practical concerns when preparing or updating an agreement.


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