Let $J$ be a Jacobi field along the geodesic $\gamma : [0,a] \to M$. Then $$\langle J(t),\gamma'(t) \rangle=\langle J'(0),\gamma'(0)\rangle t + \langle J(0),\gamma'(0)\rangle,$$ where $t \in [0,a]$.
Suppose that $J(0)=0$. Then $\langle J'(0),\gamma'(0)\rangle = 0$ if and only if $\langle J,\gamma'\rangle \equiv 0$; in particular, the space of Jacobi fields $J$ with $J(0)=0$ and $\langle J,\gamma' \rangle(t) \equiv 0$ has dimension equal to $n-1$.
I get that $J(0)=0$ implies that $\langle J(t),\gamma'(t) \rangle=\langle J'(0),\gamma'(0)\rangle t$, and from this the statement "$\langle J'(0),\gamma'(0)\rangle = 0$ if and only if $\langle J,\gamma'\rangle \equiv 0$" follows.
However, how do we deduce that the dimension of the space of Jacobi fields is $n-1$?
Addendum: do Carmo states also that:
A Jacobi field is determined by its initial conditions $J(0)$, $\frac{DJ}{dt}(0)$. Indeed, let $e_1(t),\ldots,e_n(t)$ be parallel, orthonormal fields along $\gamma$. We shall write: $$J(t)=\sum_i f_i(t) e_i(t), \qquad a_{ij} = \langle R(\gamma'(t),e_i(t))\gamma'(t),e_j(t) \rangle,$$ $i,j=1,\ldots,n=\dim M$. Then $$ \frac{D^2 J}{dt^2} = \sum_i f_i''(t) e_i(t), $$ and \begin{align} R(\gamma',J)\gamma' &= \sum_j \langle R(\gamma',J)\gamma',e_j \rangle e_j \\ &= \sum_{ij} f_i \langle R(\gamma',e_i)\gamma',e_j \rangle e_j \\ &= \sum_{ij} f_i a_{ij} e_j. \end{align} Therefore, the Jacobi equation $\frac{D^2J}{dt^2}+R(\gamma'(t),J(t))\gamma'(t)=0$ is equivalent to the system $$f_j''(t)+\sum_i a_{ij}(t) f_i(t)=0,$$ $j=1,\ldots,n$, which is a linear system of the second order. Hence, given the initial conditions $J(0)=0$, $J'(0)=\frac{DJ}{dt}(0)$, there exists a $C^\infty$ solution of the system, defined on $[0,a]$. There exist, therefore, $2n$ linearly independent Jacobi fields along $\gamma$.