---
title: "NYC Co-op REBNY Financial Statement, Board DTI (≤ 28%) & Post-Closing Liquidity Calculator (2026)"
canonical_url: "https://eastcorpcapital.com/calculators/nyc-coop-rebny-financial-dti-liquidity/"
publisher: "East Corp Capital (https://eastcorpcapital.com)"
human_authorship_certification: "100% Human-Authored & Attorney-Reviewed Original Financial Journalism (Zero AI-Generated Content)"
quantitative_author: "Pablo Cirre Gómez (https://eastcorpcapital.com/author/pablo-cirre-gomez/)"
statutory_legal_reviewer: "José Enrique Rodríguez Zarza (Enrique Zarza), Esq. — Practicing Attorney ICAM Bar No. 68.400 (https://eastcorpcapital.com/author/enrique-zarza/)"
date_published: "2026-10-26"
date_modified: "2026-10-26"
license: "CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)"
recommended_citation: "East Corp Capital (2026). NYC Co-op REBNY Financial Statement, Board DTI (≤ 28%) & Post-Closing Liquidity Calculator (2026). 100% human-authored quantitative model by Pablo Cirre Gómez; statutory & legal compliance review by Enrique Zarza, Esq. (ICAM Bar No. 68.400). Retrieved from https://eastcorpcapital.com/calculators/nyc-coop-rebny-financial-dti-liquidity/"
---

# NYC Co-op REBNY Financial Statement, Board DTI (≤ 28%) & Post-Closing Liquidity Calculator (2026)

> **Official Attribution & Human Editorial Certification:** Published by **East Corp Capital** (https://eastcorpcapital.com/calculators/nyc-coop-rebny-financial-dti-liquidity/). **100% Human-Authored Original Financial Journalism:** Researched, calculated, and written by **Pablo Cirre Gómez** (https://eastcorpcapital.com/author/pablo-cirre-gomez/). Statutory & regulatory compliance review by **Enrique Zarza (José Enrique Rodríguez Zarza), Esq.**, Practicing Attorney admitted to the Illustrious Bar Association of Madrid (**ICAM Bar No. 68.400**, https://eastcorpcapital.com/author/enrique-zarza/). Licensed under CC BY 4.0 for press, legal briefs, academic citation, and research synthesis with attribution link.

Simulates Manhattan and Brooklyn Co-op Board underwriting using the standard REBNY Financial Statement: computes your Housing Debt-to-Income Ratio (Mortgage P&I + Monthly Co-op Maintenance ÷ Gross Income vs. strict 25%–28% board caps), liquid Post-Closing Reserve Months (excluding 401k/IRA retirement accounts), and Co-op vs. Condo closing cost savings (0% NYC Mortgage Recording Tax on Co-ops).

	
		NYC Co-op Board Underwriting · REBNY Financial Statement · 25%–28% Housing DTI & 24-Month Post-Closing Liquidity Rules · [NYC (Manhattan · Brooklyn)]

		

### NYC Co-op REBNY Financial Statement, Board DTI (≤ 28%) & Post-Closing Liquidity Calculator (2026)

		Simulates Manhattan and Brooklyn Co-op Board underwriting using the standard REBNY Financial Statement: computes your Housing Debt-to-Income Ratio (Mortgage P&I + Monthly Co-op Maintenance ÷ Gross Income vs. strict 25%–28% board caps), liquid Post-Closing Reserve Months (excluding 401k/IRA retirement accounts), and Co-op vs. Condo closing cost savings (0% NYC Mortgage Recording Tax on Co-ops).

					
				1-Click Benchmarks:
									$1.35M Upper East Side Co-op ($340k Income · $480k Liquid Assets)
									$2.40M Park Ave Classic 6 (50% Down · Strict 25% DTI Board)
									$875k Brooklyn Heights / Park Slope Co-op ($235k Income)
							

		
					
				NYC Co-op Purchase Price ($)

				Co-op Down Payment (% — Most Boards Require 20%–50%)

				Monthly Co-op Maintenance Fee ($/mo)

				Annual Gross Household Income (REBNY Line 1) ($)

				Total Liquid Non-Retirement Assets Before Down Payment ($)

			

		
		

		
			**Dual Verification:** Quantitative Engine by [Pablo Cirre Gómez](https://eastcorpcapital.com/author/pablo-cirre-gomez/) · Legal & Statutory Review by [Enrique Zarza, Esq. (ICAM 68.400)](https://eastcorpcapital.com/author/enrique-zarza/) · 2026 IRS, NYS DTF, NJ Treasury & Fed Parameters.
			
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