Start with total monthly cost.
Principal and interest are only part of ownership cost. Taxes, insurance, HOA obligations and maintenance reserves belong in the analysis.
FINANCING / PURCHASING POWER
Know the numbers before the showing.
Model a scenario, understand the moving parts and use the result as a starting point for a lender conversation—not a loan quote.DOWN-PAYMENT ASSISTANCE
More programs exist than many buyers realize.
Eligibility can depend on location, income, household size, occupation, property type, first-time-buyer definitions and lender participation. The Northeast Collection resource desk is designed to help buyers identify questions to ask before assuming assistance is unavailable.
Open the verified assistance centerCompare cash, not just rate.
Down payment, closing costs, concessions and reserves can change the best structure even when two offers have similar interest rates.
Verify programs before relying on them.
Assistance guidelines change. Program availability and eligibility should always be confirmed with an approved lender or program administrator.