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First-Time Homebuyer Guide for New Jersey
Understand your budget, estimated monthly payment, cash-to-close, financing options and next steps before you make an offer.
Review income, debts, estimated taxes and insurance, and the down payment you plan to use so the payment and cash-to-close are easier to compare.
Compare eligible financing paths
Compare conventional, FHA and approved assistance options based on occupancy, down payment, credit, income documentation and overall costs.
Understand the numbers
Prepare your documents
Gather income, asset, identification and property documents that apply to your situation, then note any questions before the consultation.
Get ready to make an offer
Review the estimated payment, cash-to-close, financing path and offer timeline with your real-estate team before submitting an offer.
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