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New York Home Buying and Selling Guides
These guides cover budgets, property taxes, condos and co-ops, property checks, tenant-occupied sales and closing. Each includes sources for further reading.
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Compare monthly costs for two homes
Use your loan terms to compare mortgage payments, property taxes and building fees for two condos or co-ops.
Estimate how much you keep after selling
Enter your expected sale price, loan payoff and selling costs to compare three sale scenarios.
Results are estimates. Leave uncertain costs blank and confirm them with your agent, lender or attorney.
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Condo vs. Co-op: What Buyers Should Compare
Compare condo and co-op ownership, monthly costs, financing, board procedures, building finances and use rules before buying in Queens or New York City.
Read guide →Buying in Queens: Six Checks Before You Commit
Review the records, comparable sales, purchase funds, property condition and financing to check when buying in Queens, along with the main steps before closing.
Read guide →Preparing to Sell: Build Your Records, Budget, and Listing Plan
Prepare to sell in Queens or New York City: organize documents, estimate net proceeds, plan repairs and disclosures, and check condo/co-op requirements and marketing arrangements.
Read guide →How Much Cash You Need Beyond the Down Payment
List purchase transaction costs, prepaid expenses, the deposit and cash reserves, then check the budget against the details of the New York State or New York City transaction.
Read guide →Six Questions to Ask Before Signing a Buyer Agreement
Review buyer agreement services, fees, exclusivity and termination terms before touring, and distinguish the New York agency disclosure form from a brokerage contract.
Read guide →What to Do When the Appraisal Comes in Low
A low appraisal may change your loan and cash requirements. Review the report, compare options and have your attorney check contract deadlines in a New York transaction.
Read guide →How to Protect Your Closing Funds from Wire Fraud
Verify closing wire instructions before paying, and know whom to contact and what steps to take if account details change or funds are sent to a scammer.
Read guide →Home Sale Net Proceeds Calculator & New York Cost Guide
Compare three home-sale scenarios with a net proceeds calculator, then check debt payoff, selling costs, New York transfer taxes, buyer credits and reserves.
Read guide →Selling As-Is in New York: What Sellers Still Need to Disclose
Distinguish an as-is sale from New York disclosure duties, including PCDS coverage, condo/co-op exclusions and the discontinued $500 credit alternative.
Read guide →Comparing Home Offers: Look Beyond the Highest Price
Compare offers by reviewing expected net proceeds, financing, contingencies, proof of funds and moving dates together.
Read guide →Buy First or Sell First? Build a Moving Timeline That Can Handle Delays
Review funding, accommodation, contract terms and the dependencies between closings before deciding whether to buy or sell first, with a backup moving plan.
Read guide →Inland Flood Risk in New York: What to Check Before You Buy
Check water risk even away from the coast: review NYC rainfall maps, property history, lower-level conditions and flood insurance.
Read guide →What Will This Home Really Cost Each Month?
Compare mortgage payments, property taxes, building charges, insurance, special assessments and repair reserves using the same categories to calculate monthly housing costs in New York.
Read guide →Will My Property Taxes Be the Same as the Seller’s?
Distinguish tax bills, assessments, STAR and condo/co-op abatements, and check benefit expiry schedules before budgeting for taxes after purchase.
Read guide →First-Time Buyer Assistance: Where to Start in New York
Check eligibility, funding and conditions through official HomeFirst and SONYMA channels rather than treating the maximum assistance as approved funds.
Read guide →Mortgage Paperwork: Self-Employment, Gifts and Money Transfers
Organize loan documents for income, assets, gifts and transfers, and check requirements for self-employment income, parental assistance and transfers between accounts early.
Read guide →Your NYC Co-op Board Package: What to Prepare and Ask
Prepare a co-op application for the specific building, checking financial figures, post-closing reserves, the interview and timing. Confirm loan and board approvals separately.
Read guide →Look Beyond the Apartment: Building Finances and Assessments
Before buying a New York condo or co-op, review building reserves, major repairs, special assessments, insurance and obligations to understand possible costs beyond current charges.
Read guide →Buying a New NYC Condo: What to Verify Beyond the Sales Gallery
Before buying a new NYC condo, check sponsor commitments, contracts, delivery timing, additional charges, estimated taxes and building operations.
Read guide →Buying a Two-Family Home in Queens: Verify the Units and the Rent
Before buying a two-family home in Queens, check the legal unit count, lower-level use, leases, operating costs and rental income the lender will recognize.
Read guide →Selling a Tenant-Occupied New York Home: Plan Before You List
When selling a tenant-occupied home in New York, review leases, occupancy, viewings and delivery arrangements before making commitments about vacancy or rent.
Read guide →Selling Your New York Home: Proceeds, Capital Gains and FIRPTA
Distinguish closing cash, home-sale gain and FIRPTA withholding. Organize purchase, improvement, occupancy and rental records before estimating after-tax proceeds.
Read guide →Buying on Long Island: Checks Beyond the Listing
For a Nassau or Suffolk home, check taxes, local permits, boundaries, equipment, commuting and carrying costs for the address rather than applying NYC apartment rules.
Read guide →Final Walkthrough and Closing: What to Check Before You Sign
At the final walkthrough, check the condition, agreed repairs, included items and delivery status, and raise unresolved issues with your attorney before signing.
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