Check buyer readiness
Identify the financing, cash, property-type, team, and priority decisions to settle before a search accelerates.
Take the readiness check →NYC BUYER DECISION CENTER
Understand the home.
And the building behind it.
Use the numbers, ownership structure, building record, and your own priorities to make a New York purchase more legible.
Start with readiness →Free · Ungated · Educational planning tools
Plan cash to close
Model down payment, transaction costs, and a post-closing reserve without hiding the assumptions.
Estimate total cash →Model monthly ownership
Combine mortgage, taxes, building charges, insurance, and assessments into one working number.
Estimate monthly cost →Choose an ownership type
Compare co-op, condo, and townhouse structures against flexibility, approval, control, and responsibility.
Compare ownership types →Compare properties
Preserve observations about total cost, layout, building, location, condition, and unanswered questions.
Open the scorecard →Prepare due diligence
Build a practical checklist for attorney review, building records, inspection, financing, and closing.
Build my review plan →THE NEW YORK DIFFERENCE
The apartment is only part of the purchase.
Property type, building finances, governance, rules, recurring charges, transaction taxes, financing, and legal diligence can all change the practical meaning of an asking price.
- Compare the full monthly and upfront cost—not only price and mortgage payment.
- Ask how building financials, reserves, insurance, assessments, litigation, and capital work are being reviewed.
- Understand approval, sublet, renovation, pet, financing, and resale rules before committing.
- Use a New York real-estate attorney for transaction-specific legal diligence.
- Keep a post-closing reserve separate from the cash needed to complete the purchase.
BUY WITH CONTEXT