Prohibits seller of residential real estate from requiring potential buyers to disclose down payment when presenting offer to seller.

This bill, S 3524, prohibits sellers of residential real estate (such as single-family homes or small apartment buildings with up to four units) from requiring potential buyers to disclose their down payment amount when making an offer. It defines "down payment" as the upfront cash payment toward the home's purchase price and ensures this financial detail remains private during the initial offer stage. Sellers who violate this rule face a civil penalty of up to $1,000, enforceable through court action. The law directly affects home sellers and buyers in New Jersey's residential housing market by removing a common disclosure requirement.