you might not have those but have heat, hot water and maybe even cable or electric are included. The avg in the area for heat and hot water included is usually $275-$350. With other amenities can jump to $500 and up based on sq. ft. Point of reference would be Woodcliff Gardens which is a co-op, their fees range from $800-$900, which include taxes as well as the items above. To answer your question about resell, you can expect increases if 3-5% yearly so by the time you resell they will be higher than they are now. Most importantly make sure your lawyer requests the building financials to be sure the money us being spent wisely. Hope that was helpful, feel free to contact me at 201-519-2348 or email Thomas.firstname.lastname@example.org with any further questions. Also regarding your other question about can you buy a home with 0% down it would need to be a VA loan which with a condo can be challenging. Good luck with your purchase.