33 Best Cohabitation Agreement Templates

1. Define ownership and contributions Clearly state who owns which assets and how contributions (down payments, monthly expenses, improvements) are treated if the relationship ends. Use specific percentages or amounts to minimize future disputes.

2. Outline financial responsibilities and debts Detail who pays for rent, utilities, loans, and shared expenses, plus how differential costs will be handled during changes in income or living arrangements. Include a plan for handling joint savings or windfalls.

3. Include dispute resolution and amendment process Specify how disagreements will be resolved (mediation, arbitration) and how the agreement can be updated, including the need for written amendments signed by both parties. This ensures the document remains enforceable and adaptable.