6 steps · ~40 min
I'm Downsizing
The financial moves that matter most when downsizing in NJ — taxes, timing, and what you can actually afford next.
Understand the capital gains exclusion
Most NJ sellers can exclude $250k–$500k of profit from capital gains tax. Here's how.
Read the downsizing guide
NJ Senior Freeze, 55+ communities, bridge financing, and timing the buy and sell.
Calculate your tax impact
See your estimated capital gains and exclusion benefit.
Calculate your equity position
What do you actually have to work with after paying off the mortgage?
Calculate your buying power
What can you afford after this sale?
Get guidance on timing
Talk through the buy-sell timing challenge with someone who knows NJ.
Take your time
These steps are a guide, not a deadline. Work through them in any order, as many times as needed. The right decision is the one you make with full information — not one made under pressure.
Ready to Talk Through Your Situation?
Free, honest guidance — a real person responds, not an automated CRM.