well, you have three things going against you here.
1) no money
2) new to sailing, and maybe to general boating
as well (it appears that way from your post)
3) a new used and unknown boat.
before you do anything else, buy SeaTow and buy it now. It's $200 and it may save you MANY THOUSANDS of dollars later.
You really need to remedy those 3 things before you do anything else. Thankfully you can remedy the last 2 if you can remedy the first. I know that sucks, but you gotta do it.
Hire a surveyor/captain to go over the boat with you, and if he feels safe in it, sail with you down to new jersey
. He can teach you the very basics without it being a class in sailing. You won't be a seasoned sailor at the end of the trip, but you won't be entirely green. Then once in New Jersey
, get some sailing lessons
. An average priced delivery captain
charges about $500 per day, don't ask to charge less cause you will be there to help, trust me you aren't as much help as you think and he might even charge you more if you try to barter it down as help.