Everything you need to buy your first home in Bergen County
By Heather Corrigan, Accredited Buyer's Representative (ABR), RE/MAX Signature Homes
What This Guide Covers
Getting pre-approved: how much you can afford in Bergen County
Down payment options: 3%, 3.5%, VA 0%, and NJ assistance programs
Credit score requirements by loan type
Bergen County market overview: competitive towns and price ranges
Making an offer: strategy for a competitive market
The inspection, attorney review, and closing process in NJ
Closing costs breakdown (expect 2–5% of purchase price)
Bergen County Entry Points
Fair Lawn ($375K–$800K), Hackensack ($300K–$700K), Bergenfield ($350K–$600K), and Dumont ($500K–$800K) offer the most accessible entry points for first-time buyers.