Buy with confidence.

It depends on the loan type. FHA loans require as little as 3.5%* down, VA and USDA can be 0%* down for qualifying buyers, and conventional loans typically run 5–20%*. Plus 2–5%* in closing costs. Move the affordability slider above for a personalized number.

From starting your search to closing typically runs 2–4 months*. Once you're under contract, closing usually takes 30–45 days*. Pre-approval shaves weeks off.

Most conventional lenders want 620+*, FHA can go down to 580*, and VA loans often work with even lower scores. Talk to a lender. They can frequently work with situations buyers assume disqualify them.

Buyer-agent compensation is now negotiated as part of the transaction. I'll walk you through exactly how it works and what your options are before we even step inside a house.

Don't make major purchases (car, furniture), open new credit cards, change jobs, or move large amounts of money between accounts. Lenders re-verify everything in the final days before closing.

They vary widely by county and school district. Saratoga County is among the lowest in the region (~1.3%* effective), while Albany, Rensselaer, and Schenectady run higher (2.4–2.6%*). The property-tax estimator on the Financial Guide can give you a county-specific number.