Please stop paying rent it is just receipt you are culminating every month all you need is 5% downpayment ,you can add the closing cost in the price own this house build equity in your home, This Property is Legal 2 family with Private Driveway and garage feature 3bedrooms,3 baths, living room, dining room, Eating Kitchens, close to public transportation, supermarket, worship place, Van Wyck Express, Bel parkways, Liberty Avenue, RESORT world casino great for first time buyer the 2nd floor, will help you pay the mortgage,