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For us (in Missouri) the licensing worker comes AFTER the homestudy (3 visits) is approved. It's for the licensing visit (which is when you sign the papers) you have to have all the rooms set up.
I talked with her, though, as well as a bunch of other foster parents and we ended up buying a pac-n-play (at a consignment store, but it was unopened) for $45. If we ever get an infant and they stayed longer than a couple months we would go buy a crib..... but in Missouri it's hit or miss with infants, so we went that route.