You are all incorrect!
First of all yes it is very difficult yo purchase a home in the NY erea,to say if all your $ is kosher its not possible, without the help of family that’s also not true.I just bought a home bet me amd my wife we have over a 150k sallary bef taxes!! After taxes not left with must. All of you out there should know that if you are making under 52k a year you could get a sick amout of $ back from the gov. A friend od mine got back about $50k. The next issue is its 100% not true that banks require 25% down. You could put 10% DOWN if you have enough income to show however you would need to pay PMI. Good luck its not easy I didn’t move in yet I’m already choking