Buying in NYC: What Every Buyer Should Know Before You Start
New York real estate is unlike anywhere else.
This page brings together clear, practical NYC buying guides: covering co-op vs condo, the home buying process, buyer costs, and board approval.
So you can understand your options before you start.
The New York buying process varies by property type, building rules, and personal goals.
Start with the topic most relevant to you below, or explore all guides to build a complete picture.
NYC Buyer Costs: Down Payments, Closing Costs & Monthly Expenses
A clear breakdown of what buyers actually pay in New York: including down payments, closing costs, and ongoing monthly housing expenses.
Understand typical NYC buyer expenses beyond the purchase price, including financing costs, property taxes, maintenance, and common charges.
The NYC Buying Process: Step-by-Step Guide
Understand how buying works in New York City: from preparing your finances and making an offer to contracts, board approval, and closing timelines.
Learn how the NYC home buying process works, including offer strategy, contract timelines, financing milestones, and closing steps.
NYC Board Approval & Interviews: What Buyers Should Expect
Learn how co-op board approval works, what documents are required, and how interviews are typically conducted in NYC buildings.
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Additional NYC Buying Topics
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Financing in NYC (co-ops vs condos)
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Board approvals & interviews
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First-time buyers in NYC
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Buying as an international buyer
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Neighborhood considerations
Still unsure
where you fit?
If you’d like help understanding how these options apply to your specific situation, you can explore what your rent could buy or request a personalized ownership plan.
These guides reflect common questions and scenarios buyers encounter in the NYC market.
Individual buildings, boards, and financial requirements vary, and buyers are encouraged to review building-specific information and consult appropriate professionals as needed.