(519) 375 - 5120 shannon@shannondeckers.com

GREY & BRUCE COUNTIES

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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

HOUSES PURCHASED

HOUSES SOLD

BOTTLES OF PERRIER

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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LOADING

For sale
$944,900
362 IVINGS Drive, port elgin, Ontario

362 Ivings Drive

Port Elgin, Ontario

SECONDARY SUITE - NEW BUILD - the foundation is poured for this brand new home featuring 2 bedrooms and 2 baths on the main floor along with a completely self contained basement apartment with 2 bedrooms and 1 bath. Perfect setup for family members to share, rental income to help pay the mortgage while you live upstairs, or 2 separate rental units to add to your investment portfolio. Price includes, hardwood and ceramic throughout the main floor, vinyl plank and ceramic in the basement, Quartz counter tops in the main floor kitchen, laminate in the lower kitchen and all baths. There are laundry hookups in both units and there is a room in the lower level for the use of the main floor occupant. Exterior finishes include sodded yard, concrete drive and partially covered deck measuring 17'8 x 12 off the main floor kitchen. The house will be heated with a gas forced air furnace and one gas fireplaces. HST is included in the asking price provided you qualify for the rebate and assign it to the Builder on closing (id:22681)

4 Bedroom 3 Bathroom 3018

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$1,499,000
175442 CONCESSION 6, chatsworth (twp), Ontario

175442 Concession 6

Chatsworth (Twp), Ontario

This property has it all! Take the circle drive to this beautiful stone home with attached double care garage all nestled on 100 private acres with 60 ft x 120 ft barn which offers a work shop area with large roll up entry doors, livestock area with hay loft and loads of storage. Perfect for a hobby farm and could be set up for horses with an indoor riding area. The lovely home features an inviting front foyer with an eat in kitchen with spectacular views and access to large composite deck beautifully finished with glass railing. There is a formal dining room, spacious Livingroom with lots of natural light and a cozy wood fireplace. You will love the main floor laundry with newer flooring, powder room, family bath and three bedrooms. The master suite is complete with ensuite bath with bay window, jet tub and walk out to deck. Downstairs has three more bedrooms, one with walk out, a large family room and games room complete with separate kitchen and dining area; perfect for family gatherings or in-law suite. Enjoy the outdoor hot tub, relaxing sauna, screened in porch and smoke house. This home has maintenance free hy-grade steel roof (installed in 2016) with 50 year warranty, high end velux skylights, central vac and all economically heated/cooled with geothermal system. The barn built in 2015 is well equipped offers an insulated workshop with in floor heating (powered by solar) and a lower level wine cellar. There is also an insulated livestock area and huge drive in storage area with hay loft. For additional soft water to the home there is a cistern system. Also an outdoor RV plug in for your trailer. Enjoy the wildlife and serenity of walking the beautiful trails with babbling creek, your own orchard and approximately 70 acres of mixed bush with approx 20 acres workable. Truly a one of a kind property you going to love to call home. Located minutes to McCullough lake and approx 25 minutes to Owen Sound and Hanover. (id:22681)

6 Bedroom 4 Bathroom 2250

Peak Edge Realty Ltd.

For sale
$810,000
430 MILL CREEK Road, port elgin, Ontario

430 Mill Creek Road

Port Elgin, Ontario

Beautifully renovated and updated all brick bungalow in a mature neighbourhood! Welcome to 430 Mill Creek Rd! The recently expanded concrete front porch introduces this spectacular home! The welcoming foyer opens to the large living room with sliding doors to the private rear patio. The 2023 kitchen boasts large pantry cupboards with pull outs, ceiling height cabinets, solid surface counters and GE Cafe appliances. The dining area floods with morning sunlight through the bay window. Tucked beside the garage entry door is the laundry room with 2 piece powder room! Lovely master suite with walk-in closet and ensuite. 2 additional bedrooms and 5 piece bath complete the main floor. Bamboo flooring and updated interior doors. The lower level has a large family room, with storage under the stairs, plus a recreation room that is currently set up as an additional bedroom. Lower level kitchen, dining area and storage was used as an in-law suite in the past. Lots of storage and workshop options in the utility room! The oversized 28x22' double car garage has a finished floor and second staircase to the basement level! Private rear yard is fenced with a stamped concrete patio and wooden garden shed. Concrete drive for 3 vehicles. Corner lot has huge curb appeal with grounds supported with an in-ground irrigation system! Loads of updates in the last 10 years make this home move-in-ready! (id:22681)

3 Bedroom 4 Bathroom 3221

Century 21 In-Studio Realty Inc.

For sale
$25,000
PT LT 2 CON 3 WBR PT 8 NO NAME, northern bruce peninsula, Ontario

Pt Lt 2 Con 3 Wbr Pt 8 No Name

Northern Bruce Peninsula, Ontario

4.71 acres of treed bush measuring 330 feet wide by 621 feet deep. Good for recreational use only. No building permit available. Roll Number 410966000202926. Feel free to reach out to the Municipality at 519-793-3522 ext 226. (id:22681)

RE/MAX Grey Bruce Realty Inc Brokerage (Lh)

For sale
$27,000
PT LT 2 CON 3 WBR PT 10 NO NAME, northern bruce peninsula, Ontario

Pt Lt 2 Con 3 Wbr Pt 10 No Name

Northern Bruce Peninsula, Ontario

5.73 acres of mixed bush measuring 390 feet x 621 feet in Stokes Bay. Recreational property only. No building permit available. There is a trail owned by the municipality for access. Roll Number 410966000202922. Feel free to contact the Municipality at 519-793-3522 ext 226. Sold AS IS, WHERE IS. (id:22681)

RE/MAX Grey Bruce Realty Inc Brokerage (Lh)

For sale
$789,000
244 RAGLAN Street, eugenia, Ontario

244 Raglan Street

Eugenia, Ontario

Located in a prime location just a short walk to the shores of Lake Eugenia and tucked away on a quiet, private lot you'll find 244 Raglan Street. Completely renovated & beautifully updated home has a delightful & inviting atmosphere blended with a warm & comfortable ambience. Charm abounds once inside were tasteful finishing & decor greet you. The main floors many windows create an abundance of natural light for the open concept main living areas. Kitchen comes complete with all appliances, features ample cabinetry & island/breakfast bar, living room & dining area both with walkouts to a 2 sided deck perfect for relaxing or entertaining. Hot tub on the deck is the bonus to wind down and warm up after a day on the slopes or the water. 3 bedrooms include a spacious primary bedroom complimented with a 3 pc ensuite plus his and her walk-in closets. A separate powder room completes the main floor layout. Fully finished lower level provides additional living space for family and guests to spread out offering a family room, 4th bedroom, office/den area, laundry room, skis/boots/coats area, workshop and plenty of storage space. If desired, most of the furnishings can stay making it ready to put your feet up right away. Outside, the property offers peaceful sanctuary surrounded by trees and space for bonfires and gardens. Not a thing to do here at this picturesque & well maintained retreat except to move in and enjoy. Perfect for the outdoor enthusiasts where year round recreational attractions are offered like the Beaver Valley Ski Club, the Bruce Trail, Eugenia Falls and Lake Eugenia. A short drive to Flesherton and Markdale for schools, shopping, outstanding dining and the new hospital. Only about 20 minutes to Collingwood. A wonderful place to call home or to escape to for weekends and holidays! (id:22681)

4 Bedroom 2 Bathroom 2513

Royal LePage Rcr Realty Brokerage (Flesherton)

For sale
$139,000
64-302694 DOUGLAS FIR Street, west grey, Ontario

64-302694 Douglas Fir Street

West Grey, Ontario

Attention 55+ crowd! Seniors, retirees, this is the oasis you were looking for. The very last of 64 units making it more private than the others. Backs onto a farmer's field. If you were looking for Inexpensive Country living, you have found it here. Just 10 minutes to Hanover, 5 minutes to Durham. Tons of amenities. Freshened up recently with high end vinyl laminate makes this unit comfy cozy and its priced to sell! Don't miss out on this one. Seller is highly motivated. This will not be around for long. (id:22681)

2 Bedroom 1 Bathroom 854

RE/MAX Land Exchange Ltd Brokerage (Hanover)

For sale
$899,000
122280 GREY ROAD 5, georgian bluffs, Ontario

122280 Grey Road 5

Georgian Bluffs, Ontario

Welcome to your own slice of paradise on over two sprawling acres! This immaculate bungalow is a rare find, offering an exceptional blend of space and serenity. Open concept main floor offers a seamless flow of the kitchen, dining, and living rooms, perfect for hosting family and friends or enjoying a cozy night in beside the gas fireplace. Three well-appointed bedrooms offer comfort and privacy, with the potential for a fourth to accommodate your growing needs. The attached garage has been cleverly converted into an additional rec room, providing endless possibilities for entertainment. The double detached garage offers secure parking and ample storage for vehicles and lots of room for your dream workshop. This meticulously maintained home is move-in ready. All appliances are included as well as a wired in generac generator. Escape the hustle and bustle and embrace the serene lifestyle this property offers. Whether you're enjoying the beautiful landscape from the large deck or gazebo, your family is bound to make great memories in this spacious bungalow. (id:22681)

3 Bedroom 2 Bathroom 2280

Royal LePage Rcr Realty Brokerage (Os)

For sale
$798,000
401309 GREY ROAD 17, georgian bluffs, Ontario

401309 Grey Road 17

Georgian Bluffs, Ontario

This 3 bedroom 2 bath bungalow is situated 5 minutes from Wiarton. With almost 2 acres of land and large detached garage, and a fully insulated and heated bunkie. If you are looking to live in the country, but minutes from Wiarton, this just might be your new home. Tucked in from the road, surrounded by trees, this home has loads of privacy. The Bunkie could be used as an office or studio, and the detached garage has a concrete pad and is fully wired and heated. Walk into this bright 3 bedroom home with its vaulted ceilings, large windows and open concept and enjoy the heat from the fireplace, as well as the new heat pump system. The family room has in floor heat to keep your toes warm in the winter. Large mud room to hold everyone's coats, bags and boots. Look forward to Bonfires in the back yard and BBq on the screened in front porch. (id:22681)

3 Bedroom 2 Bathroom 1787

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale Open House
$499,900
789 MACKENDRICK Drive, kincardine, Ontario

789 Mackendrick Drive

Kincardine, Ontario

Well cared for Delta Home located just a short walk to the rec centre/arena, trails, schools and shopping. 3 fully finished levels; 3 spacious bedrooms and 3 bathrooms, one bathroom on each floor. Van Dolder kitchen cabinets, with 2019 countertops, backsplash & sink. All hard surface flooring throughout, propane furnace & hot water tank installed 2019 and newer central air unit. All vinyl windows throughout including 2019 patio door, kitchen window & upstairs windows. The backyard provides a lovely oversized stamped coloured concrete patio with a maintenance & hassle free backyard. Lots of storage in the single car attached garage. This is an ideal home for the first time home buyer or investor. Call to schedule your personal viewing today! (id:22681)

3 Bedroom 3 Bathroom 1969

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$1,350,000
129 HURON Road, point clark, Ontario

129 Huron Road

Point Clark, Ontario

Don't miss out on this lovely Lakefront, 4 season home located in a quiet area of Point Clark! This beautiful bungalow has year round access, it's extremely private, adorned w/mature trees & 75 feet frontage on Lake Huron! It's also Lake level, that's right, NO STEPS! This well maintained lake side getaway provides incredible views of the water & Lake Hurons famous sunsets without leaving the house! Enjoy 2012 sqft of living space, 3 large bedrooms, 3 full bath, spacious living room w/cozy propane fireplace, a bright inviting kitchen w/huge lake side windows, main bedroom w/king sized bed, 4 pc ensuite & laundry, a guest suite w/queen size bed & 3 pc ensuite, ceiling fans in every room, impressive lake views from the living room, kitchen & primary bedroom, large doorways, high speed internet, A/C & so much more! Exterior features; new shingles (2022), maintenance free vinyl siding, 3 fire pits, water & hydro to lavender garden, fully automatic wired-in generator which runs the house & the four car garage, an oversized (infrared heated & insulated) detached 36x32 foot garage (1100 sqft) w/a concrete floor & tons of storage, providing so much parking to go w/the large paved driveway. Watch the sun sparkle on the lake from both spacious covered porches (both w/ceiling fans), gorgeous landscaping & Lake view's wherever you choose to sit! Turn key ready w/most furniture included, just bring your clothes & get ready to relax. This property is located on the portion of Huron Road that doesn't have any islands which provides so much more movement in the water. Walk or bike to the lighthouse on the 40 km/hr paved road. Year round activities can happen from the privacy of your own home! No need to travel! Walk the beach for miles! Snowshoe along the shore & appreciate the wonder of winter w/the awesome natural ice formations, you may see a fox out on the ice or rabbits hopping around leaving prints. Watch & hear the spring ice breakup, this is nature at its best! A must see! (id:22681)

3 Bedroom 3 Bathroom 2012

Lake Range Realty Ltd. Brokerage (Kincardine)

For sale
$425,000
LT 125 PEDWELL POINT Drive, northern bruce peninsula, Ontario

Lt 125 Pedwell Point Drive

Northern Bruce Peninsula, Ontario

Come have a look at this nicely treed building lot with its waterfront on the protected waters of Johnson Harbour. Enjoy water activities-boating, fishing, kayaking, canoeing, etc., right from your own property, with access to Lake Huron and a deep channel for boating. Communal boat launch available just around the corner! Play the day away then relax in the evenings around your camp fire and enjoy the endless night skies. Looking to get out and about? The Grotto and Singing Sands beach is a short drive away and Tobermory is approximately 20 minutes away offering shops, restaurants, tourist activities and amenities. The property is accessible by a Municipally maintained year-round road and is located in a community of homes and cottages. Come make Pedwell Point Drive your new address - this lot is just awaiting your design ideas for your weekend retreat or dream home. The Municipality does not allow overnight camping or a trailer on the property until you have a building permit in place and are actively building. (id:22681)

RE/MAX Grey Bruce Realty Inc Brokerage (Tobermory)

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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

You Could Be Saving Money!

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%.