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SHANNON DECKERS

Not Just Another Realtor®

Welcome. It is my sincere hope that you come to see the potential that Grey Bruce has to offer you.

As a skilled full-time realtor, I am dedicated to guiding you through purchasing and selling real estate in Canada’s playground. Let’s walk through it together and find the place for you to call home.

Extensive experience in the Owen Sound area

Specializes in buying and selling residential, rural properties

Has the local knowledge needed for buying and selling in Grey & Bruce Counties

YEAR EXPERIENCE

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SHANNON DECKERS

Why Choose Us

Z

Honesty

Truthful assessments and real estimates based on current markets.

Availability

Always ready to set up viewings and meet at your convenience. Only ever a phone call away, Shannon is quick to reply with useful and knowledgeable information.

Determination

Working tirelessly to find the best house at the best price, and showcasing your home in the best possible light.

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For sale
$709,900
8 GOLF LINKS Road Unit# 3, kincardine, Ontario

8 Golf Links Road Unit# 3

Kincardine, Ontario

Bradstones Construction is offering a $10,000 Early Bird Offer to the 1st two buyers to kick off this new exciting development. These upscale homes will contain all the expected amenities plus much more. The high efficiency natural gas furnace and an on-demand hot water heater (owned) combined with the upgraded insulation package will noticeably reduce your energy consumption costs. You will enjoy the added features like 9 ft. ceilings, quartz counter tops, BBQ gas connection, slow close cabinets and dual flush toilets. Ask for your copy of all the features on the Schedule A finishing and material specifications. Full Tarion home warranty protection is included. Buyer selections on finishing materials may be available if not already ordered and installed by builder. This is a vacant land condominium with a $180 per month fee to cover common amenities. Buyers will have full free hold ownership of their lot and home. Call now to get the best selection. Some photos are Artist Rendering, final product may differ. (id:22681)

3 Bedroom 3 Bathroom 2036

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$729,900
8 GOLF LINKS Road Unit# 4, kincardine, Ontario

8 Golf Links Road Unit# 4

Kincardine, Ontario

Bradstones Mews is the newest upscale townhome development in Kincardine, consisting of 36 residences located just a short distance to the beach and the downtown core. The homes will range in size from 1870 sq.ft. for the 1.5 storey home to 2036 sq.ft for the 2 storey style. Compared to other available options , these homes will be much larger and feature full basements. The basements can be finished (at additional cost) to provide almost 3000 sq.ft. of finished living area. Take a look at the Builder's Schedule A to see all the features that home buyers have come to expect from Bradstones Construction. This development will be offered as a vacant land condominium where you pay a common element fee (condo fee) of $180 per month to maintain the roadways and infrastructure and still have exclusive ownership of your lot and building. Call today for the best selection in this exciting new development. Some photos are Artist Rendering, final product may differ. (id:22681)

3 Bedroom 3 Bathroom 1870

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$739,900
8 GOLF LINKS Road Unit# 5, kincardine, Ontario

8 Golf Links Road Unit# 5

Kincardine, Ontario

Welcome to Bradstones Mews. This upscale 1870 sq.ft. semi detached home on a 45 ft lot will be hard to beat at this price. With the possibility of finishing the full 1278 sq.ft basement, you won't have to worry about downsizing when you'll have over 3100 sq.ft of living space. The main floor primary bedroom and ensuite bathroom will make this home safe and accessible for many years to come. Take a close look at the builder's Schedule A detailing all the finishes and upgrades that will complete this home. You'll notice the Diamond Steel roof, quartz counter tops, 9 ft. ceilings, on-demand hot water heaters, 2 stage high efficiency natural gas furnace, Cat 6 wiring for phones , internet and TV ( if you are working from home), and a whole house surge protector to protect your equipment. The 1st 2 sales will receive a $10,000 discount of listing price. Don't delay to get the best selection and choose your personal selection of finishes. Please note that photos are virtual artist renderings. Construction will start soon ! (id:22681)

3 Bedroom 3 Bathroom 1870

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$745,900
8 GOLF LINKS Road Unit# 6, kincardine, Ontario

8 Golf Links Road Unit# 6

Kincardine, Ontario

This semi-detached freehold home is the latest offering in Bradstones Mews. Located just a short distance from the beach, the hospital and downtown Kincardine this upscale home will be one of 36 exclusive residences to be built on this 4.2 acre enclave. With 1870 sq.ft. above ground you'll have all the room you will need to accommodate family and friends. Plus the full basement can be finished (at an additional cost) to add up to another 1278 sq.ft. of living space. The Builder's Schedule A of Finishing and Material Specifications will outline on 5 pages all the features and upgrades that will be included in this Bradstones home. As a vacant land condominium you will own the large 49.9 ft. lot and the residence. Only the streets and infrastructure will be part of of a condominium corporation that will manage the common elements. The monthly condo fee will be $180 for maintenance of the common areas. Before you decide on your next home, compare the lot size, the home size and the finishing elements that will make this development your obvious choice. Please note that the pictures are artist renderings and the finished home may vary from photos. (id:22681)

3 Bedroom 3 Bathroom 3143

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$3,000,000
PT LT 66-68 2 NDR Concession, brockton, Ontario

Pt Lt 66-68 2 Ndr Concession

Brockton, Ontario

Welcome to an amazing opportunity! This 92 acre parcel located diagonally from the Saugeen Municipal Airport, next door to the very popular in land lake, Lake Rosalind and minutes to the vibrant Town of Hanover, is yours to discover! Actively used and currently zoned for prime agricultural production, this dream acreage is in a strategic and desirable location. Why not construct your dream home and take advantage of the spectacular view on this property? Who knows what the future holds with potential future development? This canvas is a harmonious blend of 67 level, workable acres with 20 acres tile drained and 21 acres of self managed, pristine woodlands. Being located 2 hours from an international airport is a major benefit for many prospective buyers. All information in the listing is based on current use of the property and is being provided for information purposes only. Buyer/agent to do due diligence on any government requirements (ie., encroachments and easements) that could affect a buyer’s specific proposed use of the property. (id:22681)

Wilfred Mcintee & Co Ltd Brokerage (Walkerton)

For sale
$1,150,000
115624 COUNTY ROAD 3, chatsworth, Ontario

115624 County Road 3

Chatsworth, Ontario

This 2 story open concept home completed in 2009 will make you feel right at home with its country charm and unique features. From the natural maple kitchen to the original pine flooring, this home boasts large windows for natural light and a wood stove to keep you warm. The open concept main level features a laundry room, a four piece bathroom, a great room, kitchen and dining room. The back patio door opens to the beautiful 76 acres (35 organic acres-workable) of trees, farm, and land as far as you can see. The second level features 3 large bedrooms, which each include two large windows overlooking the country property. The upstairs bathroom is a 4 piece bath, complete with a separate standing shower and jacuzzi tub. The basement features a large utility room and a partially finished living area, making it ready for you to transform it into a rec room or extra bedroom. There is a two story detached 24 x 24 garage with loft, a tarp barn 30 x 64 (2015) with lots of recent upgrades, garden greenhouse 20 x 32 (2014), plus 3 Garden sheds. On the west side of the property you will find a nursery garden with many trees ranging in sizes and lots of different herbs and spices growing. This L shaped property is located on a paved road 25 minutes southwest of Owen Sound and features a creek running through the back of the property and a snowmobile trail right beside, making it any outdoor lover's paradise! This property blends to variable uses; (market gardening, hobby farm, storage rental, family home). The home and all out buildings are in great condition with the home showing exceptionally well. All measurements and acreage are approximate. Call to schedule your showing today. (id:22681)

3 Bedroom 2 Bathroom 2304

Coldwell Banker Peter Benninger Realty Brokerage (Walkerton)

For sale
$559,000
812 9TH AVENUE

812 9th Avenue ""a"" E

Owen Sound, Ontario

SUPER LOW CONDO FEES-ONLY $315/month! Nestled in a sought-after community, you couldn't ask for a better location! This lovely 3 bedroom, 3 bath townhouse with over 1600 total SF is close to schools, the Brightshores Hospital, shopping, restaurants and downtown. The condo lifestyle seamlessly combines style and functionality; no grass to cut or snow removal! This bright and spacious home has a large kitchen with ample cabinetry, multiple pot lights and convenient side counter that is open to the dining area. The living room with loads of natural light has sliding doors to a rear deck that backs onto an open area. A main floor powder room and inside access to the garage are a bonus! The upper level you will find 3 good-sized bedrooms and full bath with a brand new tub surround ($4000)! The lower level with a huge recreation room, pot lights & a cozy gas fireplace is ideal for family game night or to watch a movie. A spacious & convenient powder room is located in the laundry area. In addition to the garage and driveway, there are also 2 included parking spaces across from the home (#5). Every room in this well-maintained home has just been freshly painted, even the garage! Truly move-in ready! Enjoy the opportunity to live a comfortable lifestyle! (id:22681)

3 Bedroom 3 Bathroom 1639

Chestnut Park Real Estate Limited Brokerage (O.s.)
Chestnut Park Real Estate Limited (Collingwood) Brokerage

For sale
$759,900
358 ROSNER Drive, port elgin, Ontario

358 Rosner Drive

Port Elgin, Ontario

Welcome to your dream home! This one of a kind 2-storey 1836 sqft freehold townhome offers a perfect combination of modern elegance and functional design. With 4 bright and spacious bedrooms providing ample room for rest & relaxation, 2.5 baths provide comfort & privacy for the entire family, main floor laundry for added convenience and the full unfinished basement is a blank canvas to customize additional living space that is tailored to your needs. Standard features include Quartz in the kitchen, hardwood and ceramic throughout the main floor, sodded yard, covered back deck, 9ft ceiling on the main floor and the ability to had select the interior finishes. HST is included in the list price provided the Buyer qualifies for the rebate and assigns it to the Seller on closing (id:22681)

4 Bedroom 3 Bathroom 1836

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$739,900
360 ROSNER Drive, port elgin, Ontario

360 Rosner Drive

Port Elgin, Ontario

The foundation is poured for this brand new 2 storey freehold townhome at 360 Rosner Drive in Port Elgin. This model is 1703 sqft with a full unfinished basement that can be finished for an additional $30,000 including HST. The basement would include a family room with gas fireplace, full bath, den and 4th bedroom. The main floor will feature 9ft ceilings, Quartz counters in the kitchen, hardwood and ceramic flooring, 9ft patio doors to a covered back deck measuring 10 x 12'6, primary bedroom with ensuite and laundry. Upstairs there are 2 bedrooms and a 4pc bath. The yard will be entirely sodded and the driveway will be concrete. HST is included in the asking price provided the Buyer qualifies for the rebate and assigns it to the Seller on closing. Interior colour selections maybe available for those that act early. (id:22681)

3 Bedroom 3 Bathroom 1703

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$1,165,300
958 BOGDANOVIC Way, huron-kinloss, Ontario

958 Bogdanovic Way

Huron-Kinloss, Ontario

Now under construction in the lakeside subdivision of Crimson Oak Valley just south of Kincardine, this awe-inspiring 1 1/2 storey build with almost 2700 sq ft of finished living space enjoys a floor plan suitable for all ages. The home offers ornate roof lines, stone and brick exterior and welcoming covered porch. Step inside the large bright foyer with 10’ ceiling, note the convenience of the office/den with french doors suitably accessible especially for those working at home. From the foyer, you note the fabulous easy flow of space as you enter the great room, also enjoying a 10’ ceiling plus gas fireplace, the nice sized dinette, with patio doors leading to the ever popular covered porch, and that kitchen: a chef’s delight with large centre island, an abundance of cupboards and work space plus a gorgeous walk-in pantry! Also gracing the main level is a large laundry room and separate mud room with access from the garage, a two piece guest bathroom and a stunning primary bedroom with large 4 piece ensuite complete with tile/glass shower and walk-in closet. The staircase to the second level will take you to a four piece bathroom and two good sized bedrooms….this will be a toss-up as to which child gets the larger bedroom complete with walk-in closet! Stairs down from main level will take you to the unfinished basement, yours to complete as you wish: family room, bedroom, home gym, bathroom, storage space….completing this very desirable build: engineered hardwood, porcelain tile and carpeted flooring; granite/quartz countertops; large double car attached garage, concrete driveway and sodded yard. (id:22681)

3 Bedroom 3 Bathroom 2671

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$877,000
193173 30 Sideroad, west grey, Ontario

193173 30 Sideroad

West Grey, Ontario

Three private scenic acres with a 4 bedroom, 2.5 bathroom brick home overlooking a large private pond (pond depth of 8'-10' and spring fed). Main floor of the home consists of kitchen, dining room, laundry, 4 pc bathroom, 2 pc bathroom, primary bedroom plus 2 additional bedrooms, rear entrance to yard, an entrance to the attached 1 car garage, and the living room with lovely balcony over looking the pond and landscaped rear yard. Lower level has a large family room with propane fireplace, and walk-out to patio and rear yard, 3 pc bathroom, 4th bedroom, and 2 utility rooms. Yard has 3 storage sheds. This property is in a great location minutes to the Town of Durham and 15 minutes to the Town of Hanover. [Annual Heat: $2,282.59; Annual Hydro: $1,858.00; Furnace is 1 yr old; Owner has a monthly furnace and fireplace maintenance and repair contract with Cross Heating for $21.58/month that can be cancelled if buyer wishes to]. (id:22681)

4 Bedroom 3 Bathroom 2235

Wilfred Mcintee & Co Ltd Brokerage (Dur)

For sale
$1,675,000
243294 SOUTHGATE ROAD 24, southgate, Ontario

243294 Southgate Road 24

Southgate, Ontario

65 acre farm, with approximately 45 acres workable. With 3000 sq. ft. of living space this renovated farm house showcases the beautiful original stone walls throughout the interior main level. Featuring massive sized main level rooms, tons of natural light, and double staircases this home is overflowing with potential. Main floor consists of: foyer, kitchen, dining room, living room, sitting room, laundry room, a sunroom, 4 pc bathroom, and 2 bedrooms. Second floor consists of: 3 bedrooms, a 3pc bathroom, and a kitchenette. The undeveloped basement is for utilities and storage with a walk-out and walk-up. Geothermal heating and cooling systems, and most windows replaced. Currently undergoing renovations on main level with new drywall installed in many areas. There is large spring fed pond. 3 dug well casings with one overflowing at all times. Bank barn with loose housing and 3 additions, 1 would make a good kennel. There is a concrete yard and detached covered 20'x60' pit silo. (id:22681)

5 Bedroom 2 Bathroom 3097

Wilfred Mcintee & Co Ltd Brokerage (Dur)

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WHAT PEOPLE ARE SAYING

Featured Comments

“Shannon took the time to learn what we liked, and what we didn’t. As first time buyers, we had quite a learning curve, and she was very patient in teaching us. She went the extra mile to find just the right home we both loved, and was as excited for us as we were!”

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Doug & Sue Reider

WOODFORD, ON

“We have worked with Shannon Deckers now on three real estate transactions! She always goes above and beyond to make things work out. Her dedication to her job, whether assisting in a sale or finding that dream property, shines through in all she does. Truly a pleasure to work with!”

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Jennifer Ageeb

OWEN SOUND, ON

“Shannon did an amazing job selling our house in record time! She really goes above and beyond! I would highly recommend her as a realtor for both buying and selling.”

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Charlene Hellens

KITCHENER, ON

FEATURED PROPERTY LISTINGS

The Best of Real Estate in Grey and Bruce

Whether you’re looking for a new home, or you plan to build your dream home, these are some of the best properties for sale in Owen Sound and Grey Bruce.

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ONTARIO’S CREDITS AND PROGRAMS

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Canada’s Playground

Owen Sound, Ontario

Where Is Owen Sound?

Owen Sound, Ontario lies approximately two hours northwest of Toronto and is a central hub for all destinations in Grey and Bruce counties. Located approximately 30 minutes from Blue Mountain, one of Ontario’s most popular skiing and snowboarding destinations. Owen Sound and the surrounding area is warmly called home by over 30,000 people living at the base of Georgian Bay, where the Sydenham River and Potawatomi River converge. In the summer months you will find Owen Sound to be a thriving city in close proximity to Sauble Beach, a very popular destination for both local traffic and tourists alike, as well as many smaller towns with lots of activities and venues for recreation and relaxation. Owen Sound serves as a meeting point of four of Ontario’s provincial highways: Highway 6&10 from the south, Highway 26 from the east, and Highway 21 from the west.

Being established in 1851, Owen Sound includes many different types and styles of homes for sale. A prospective buyer will find century homes with original hardwood flooring and crown mouldings, intimate war-time houses suitable for retirement living or small families, split level bungalows, updated retro houses and a more modern flare of newly built houses in suburbs throughout the town.

Nature, Outdoors, and Activity
Owen Sound is located right on the Niagara Escarpment and is a matter of minutes from the Bruce Peninsula which boasts tall cliffs, incredible rock formations, great beaches and is home to the beautiful Bruce Peninsula National Park. The Park is famous for its many attractions, including ‘The Grotto’ with it’s crystal clear waters, ‘Fathom Five National Marine Park’, ‘Indian Head Cove’, as well as Cyprus Lake. The famed Bruce Trail that runs from Niagara to Tobermory also winds its way through the forests, woodlands, and rivers surrounding Owen Sound as it makes its way toward Wiarton and the Bruce Peninsula. Among these rivers are numerous local waterfalls that offer picturesque landscapes for events, recreation, and peacefulness. Owen Sound’s natural beauty will leave you breathless in its splendor.

Buying real estate in Owen Sound means you can spend your days doing things most people only dream of. In Owen Sound you can experience snowboarding and skiing, snowshoeing and hiking the Bruce Trail in the winter, the kilometers-long sand beach and waters of Sauble Beach and Port Eglin in the summer. You can live in some of Ontario’s most beautiful scenery if you invest in Owen Sound real estate. Owen Sound itself boasts a beautiful harbour, with many walking paths, trails, and parks to enjoy the extensive waterfront.

If you desire to escape the fast-paced city life with your own piece of land on which to build the home of your dreams, I can help you to find the perfect vacant lot or land for sale in Owen Sound. With both budget and luxury home builders in the area, incredible landscaping professionals and top-notch tradespeople, no size or complexity of home build is too great or small.

There are many homes for sale in Owen Sound and Grey Bruce areas, and with my extensive knowledge of the local area and my commitment to learning you and your likes and dislikes, I am confident that I will be able to find not just house that you like, but a place that you can call home.

Education
If you’re thinking of buying a home for sale in Owen Sound, ON and you’re wondering about the education available in Owen Sound, you won’t be disappointed. Owen Sound has three excellent secondary schools: Owen Sound District Secondary School (OSDSS) as well as Saint Mary’s High School (SMHS) and École St-Dominique Savio for those looking for a more private education. Owen Sound’s devotion to education begins in the earliest of years with many preschool and daycare centres available for young parents to choose from, including the Julie MacArthur Regional Recreational Center (YMCA). Parents of older children will be pleased to know of the many options for elementary age children, such as public schools (East Ridge Community School, Hillcrest Elementary School, Alexandra Community School, Keppel-Sarawak Community School) along with private schools (Timothy Christian School, Riverforest Montessori School). For those looking for post-secondary education, Owen Sound boasts a Georgian College campus with a wide assortment of courses available.
Local Amenities and Attractions
If you’re thinking of buying a home or vacant land in Owen Sound, you might be wondering about the amenities and services available in the area. While we can’t list everything, here’s a short list to give you an idea: Multiple elementary schools, two excellent high schools, a Georgian College campus with residencies close by, a developing shopping centre, unique and artisan shops, and lots of community parks with natural and man-made playgrounds. Owen Sound also boasts the largest and best-equipped hospital and medical staff in the area. Many fast-food restaurants are available for those on the go, but there are also numerous sit-down, fine dining options for those with a more refined taste. Owen Sound is home to multiple golf courses, some of which are well-renowned for the quality of their courses, as well as many museums that focus on our rich cultural background and significant history. With lots of programs for youth and adults alike, Owen Sound has something for everyone.

Owen Sound is also home to the Owen Sound and District Farmer’s Market; a local market that is open every Saturday morning throughout the year. The Market hosts a wide variety of local artisans and growers, and has been in the same location since 1868. Many other markets exist within a short drive from Owen Sound, in places such as Keady, Port Elgin, Southampton, Wiarton, Meaford, Thornbury and more!

If you are considering buying real estate for sale in Owen Sound, and you love to fish, then this is the place for you. Owen Sound’s annual Salmon Spectacular is famous and draws participation from all over Canada and the United States each year. Additionally, some of the largest rainbow trout in the world have been caught in Owen Sound.

RRSP HOME BUYER'S PLAN

This program allows you to withdraw up to $25,000 from your RRSP to buy or build a new home.
You can also use it to buy or build a new home for yourself or someone you know with a disability.

Home buyer's tax credit

The First Time Home Buyer Tax Credit is a non-refundable tax credit that helps homeowners recover closing costs such as legal expenses and inspections.

First-time buyers can claim up to $5,000 for the purchase of a qualifying home on their personal tax return on the year of purchase. You could net up to $750! However, you cannot have lived in another home you or your partner owned in the previous 4 years.

If you have a disability (I.e., you are eligible for the disability tax credit) or if you bought the house to improve accessibility for someone who is disabled, you do not have to be a first-time home buyer.

Genworth Canada Energy-Efficient Housing Program
Receive a 25% rebate when you build a home through one of Genworth Canada’s qualifying energy-efficient building programs or meet the prescribed minimum Natural Resources Canada EnerGuide requirements and fund it through a Genworth Canada insured mortgage.
Land Transfer Tax Refunds for First-Time Home Buyers

Under this program, if you’ve never owned a home anywhere before – ever – you could quality to receive a refund of the land transfer tax for the first $368,000 of the value of the home. The maximum amount of the refund is $4,000.

The biggest hurdle in qualifying for the maximum amount of this program is that all purchasers of the home must be first-time homebuyers. If one or more of the purchasers has owned a home anywhere in the world previously, the amount will be reduced.

GST/HST Tax Credit

The GST/HST new housing rebate gives back some of the GST or the federal part of the HST you paid – up to $1,500 – for new or substantially renovated house that is your primary place of residence provided that you meet all the eligibility requirements.

CMHC Green Home

If you buy, build or renovate for energy efficiency using CMHC-insured financing, you could receive a 15% rebate for building a home to ENERGY STAR standards or up to 25% for building a home to R-2000 building standards.

Northern Locations Energy Credit

Those living in a qualifying location can take advantage of the Northern Ontario Energy Credit. This tax credit allows single people to receive a credit on their taxes of up to $151 and allows families (including single parents) to receive up to $232.

The purpose of this program is to help Northern Ontario residents with the higher energy costs they face living in the north.

Ontario Every And Property Credit

Non-seniors can receive up to $1,043 while seniors can receive up to $1,187. Even students can receive a credit of $25 if any of their costs were related to energy costs, and if you live on a reserve or in a public long-term care home, you can receive up to $232.

Options For Homes
If you are looking to purchase a new condominium, this is a non-profit group that offers different ways of paying for a condominium, including loans and discounts, and offers down payment support.
They also offer a Condo 101 class that explains what someone should look for then they purchase a new condominium.
Habitat For Humanity

You can be a homeowner! Get of the rent rut with Habitat for Humanity. This group helps low-income families build and buy simple, decent quality, affordable homes through a no-interest mortgage with payments set at less than 30% of gross income. Instead of a down payment, families contribute their sweat equity

Municipal Land Transfer Tax Rebate Program

If you are a Canadian citizen or a permanent resident living in Toronto and you’re ready to buy your first home, don’t forget to register for the land transfer tax rebate. In conjunction with the provincial tax credit, you can get up to $4,475.00 back from the land transfer tax you pay when you buy your home.

Both new and existing homes qualify, but neither you and/nor your spouse can ever have owned a home before at any time anywhere in the world. Don’t delay, because to receive the entire rebate, your application has to be reviewed by the City of Toronto before the 10-day deadline is up!

Daniels FirstHome Boost Program

Daniels FirstHome has an innovative payment plan that is much more flexible and achievable in the midst of today’s fluctuating new mortgage rules. With locations throughout the Toronto area, this builder offers condos and townhomes in attractive neighbourhoods aimed at first-time home buyers.

The program offers an interest-free, 20-year forgivable loan for 10% of the down payment that, when added to the 5% that you need to put down, “boosts” your down payment to 15%. On top of that, you could also qualify for an additional $25,000 in financing. You don’t even have to have the whole 5% up front. All you need to get started is $3,500 when you sign the Agreement to Purchase and Sale, and then you can pay $1,000 a month after that until you reach the required 5%.

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