What condition allows a buyer an additional three days to review closing documents?

The correct choice is based on the New Jersey law that permits buyers a right to an additional three days to review closing documents if there is an omission of a special assessment in the property disclosure. Special assessments can significantly impact the financial obligations of the buyer, making it crucial for them to have full and accurate information before finalizing the closing process. When such important information is omitted, it creates a condition where the buyer may feel the need for additional time to understand the implications of the missing details, ensuring they can make an informed decision.

In contrast, while mathematical errors or missing appliances may affect a transaction, they do not create the same statutory entitlement to extra review time as an omission directly related to financial assessments. Changes in loan types, such as switching from a fixed rate to an adjustable rate, can indeed affect a buyer's financial situation but they do not automatically grant extra time for document review in the way that missing critical disclosures do.