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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.

New Listings

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LOADING

For sale
$839,900
625 MACYOUNG Drive, kincardine, Ontario

625 Macyoung Drive

Kincardine, Ontario

Incredible Upgrades. The pride of ownership is evident from the moment you pull up to this stunning raised bungalow. With 2,055 sf of finished living space, offering 4 bedrooms, 3 bathrooms, a spacious double-car garage, & double-wide concrete laneway, you'll have everything you desire and then some. The long list of upgrades begins with the brand-new Kitchen & island installed in 2024. The home has been completely converted to natural gas including, a fireplace, furnace, on-demand hot water as well a direct line for the BBQ. This home is perfect for entertaining friends & family, with the highlight of the property being the backyard of your dreams. The 2-story custom fireplace provides the perfect touch to a stunning backyard transformation, with the sprawling stamp concrete patio space, covered sitting area, composite decking & Trex railing, LED lighting & custom-built wood features you need to see for yourself. The detached workshop is fully loaded featuring & a large double door, heating and cooling, epoxy floors, hydraulic lift, 100-amp hydro service, and an 80-gallon air compressor to name a few. This home is situated on a quiet street close to shopping, schools, walking trails, churches, and the recreation center. Ask about all the other upgrades as there are too many to list them all. (id:22681)

4 Bedroom 3 Bathroom 2055

Royal LePage Exchange Realty Co. Brokerage (Kin)

For sale
$525,000
789 16TH Street E, owen sound, Ontario

789 16th Street E

Owen Sound, Ontario

This charming 3-bedroom residence is a perfect blend of comfort, style, and convenience. Step into this beautiful haven that exudes the warmth and character of a century home together with modern elegance. The main floor boasts a spacious bedroom, offering the utmost in accessibility and flexibility. The recently renovated 5 piece main floor bathroom is a sanctuary featuring contemporary fixtures and tasteful finishes, with a large storage room/laundry off the side. There's a huge kitchen with loads of storage. Both living room and family room have natural gas fireplaces to warm the space. Details such as the restored wide trim, original hardwood floors, French doors and radiators create a homey atmosphere while freshly painted walls throughout provide a blank canvas for your personal touch. Other updates include some windows/doors, electrical, natural gas boiler, and low maintenance metal roof and vinyl siding. As you step outside the spacious family room, you'll discover a covered deck, perfect for entertaining or simply unwind with a cup of coffee. Beyond the deck lies a large fenced in backyard, providing ample space for outdoor activities, gardening, or creating your own private oasis. The property also features a newly built garage, with hydro and oversized doors on each side for drive through convenience, offering secure parking or storage space for tools or toys. With plenty of parking available, 2 more bedrooms upstairs with a full bathroom, entertaining is a breeze. The kitchenette is a fantastic addition, providing a convenient and functional space for overnight guests or boarding family or tenants. It could also work as a great space for a small home business. Walkable to all eastside amenities. This home is not just a residence; it's a lifestyle. Imagine enjoying the tranquility of the backyard, and relishing the convenience of main floor living all while still having the space and function to entertain! This property is ready to welcome you home. (id:22681)

3 Bedroom 2 Bathroom 1998

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale
$689,900
758441 GIRL GUIDE Road, georgian bluffs, Ontario

758441 Girl Guide Road

Georgian Bluffs, Ontario

Located on the desirable Girl Guide Road this lovely raised bungalow offers 3 bedrooms on the main level with a full bathroom, a dining room, and a large living room and a walk out to the deck for BBQs and entertaining. The walkout basement has a kitchenette living area and a full bathroom. The property is located on 2 acres of farm surrounded land. Large attached garage, a quiet place to live, and minutes from Owen Sound makes this the ideal location. Trails for walking, snowmobiling, or ATVs are a short walk from the house. (id:22681)

3 Bedroom 2 Bathroom 1300

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale Open House
$579,000
101 MENOMINI Road, point clark, Ontario

101 Menomini Road

Point Clark, Ontario

Step into this bright and airy 3-bedroom bungalow, beautifully situated in the quiet, treed community of Point Clark, just moments from Lake Huron. This home is perfect as a year-round residence, cottage or a lucrative seasonal rental, featuring a private, landscaped backyard with a secluded outdoor patio area. The kitchen complete with granite countertops and bar-style seating is perfect for casual meals or morning coffee. This area flows seamlessly into the dining room, which features patio doors opening to the outdoors, and a living room, making it ideal for entertaining and everyday living. The home includes three cozy bedrooms and a newly renovated 4-piece bathroom, ensuring comfort and convenience for all residents and guests. Numerous updates have been made in recent years, including the roof, bathroom, flooring, appliances, and fresh paint throughout, giving the home a contemporary feel. Energy efficiency is paramount with a heat pump/air conditioning unit for year-round temperature control, supplemented by a propane stove for an extra cozy ambiance during cooler months. A sizeable outdoor shed and detached garage offer additional storage space, making this home as practical as it is charming. Gardeners and nature lovers will appreciate the beautiful landscaping and raised garden bed. Whether you're looking for a peaceful permanent home, cottage or a potential rental property, this bungalow offers privacy and a prime location near the Amberley and Point Clark beaches and the Community Centre. Kincardine is also a 15 minute drive north, where you will find additional amenities and great summertime entertainment. Don't miss out on this great opportunity! (id:22681)

3 Bedroom 1 Bathroom 861

Century 21 In-Studio Realty Inc.

For sale Open House
$839,900
183 HURON Road, point clark, Ontario

183 Huron Road

Point Clark, Ontario

Welcome to 183 Huron Road, A Waterfront Original! This immaculate Seasonal 3 bedroom, 1 bathroom cottage is located right on the water offering fabulous sunsets and hot days on the beach with the family. This turnkey property would be great for a family, to build memories around the fire pit, or in the lake. Being sold with everything included to start enjoying your summer right away, as all the necessities are included. This property would also command great summertime vacation rental for an investor or would make a great large flat lake level building lot for your cottage or future retirement property. This property has an unopened road allowance. For a showing call your REALTOR® today. (id:22681)

3 Bedroom 1 Bathroom 560

RE/MAX Land Exchange Ltd Brokerage (Pc)

For sale
$749,900
355 PENETANGORE ROW, kincardine, Ontario

355 Penetangore Row

Kincardine, Ontario

3 bedroom , 2 bath, bungalow home with a full walk up basement. It is located a short walk to the sandy Lake Huron shore or the Kincardine Boardwalk. The terraced rear yard has numerous perennial flowers and your own koi pond. There is a front court yard with a partial view of Lake Huron. The basement has a large family room, a wood stove and a work shop area. Stamped concrete driveway accommodates 4 vehicles (id:22681)

3 Bedroom 2 Bathroom 1710

Century 21 In-Studio Realty Inc.

For sale
$649,900
1038 WELLINGTON Street, port elgin, Ontario

1038 Wellington Street

Port Elgin, Ontario

You won't want to miss this stunning 4-bedroom, two-story home in a wonderful mature neighborhood! Just imagine coming home to a spacious kitchen and separate dining area perfect for hosting friends and family. And the bright, airy living space is the perfect backdrop for cozy movie nights or relaxing by the fireplace in the finished basement. This home has a fully fenced yard, large patio, shed and clothes line. Best of all, this home is just minutes away from incredible shopping and beautiful nature trails. It's the perfect blend of modern convenience and serene surroundings. Don't let this incredible opportunity slip away! Schedule a tour today to see if this dream home could be yours. This is the perfect home to put down roots and watch your family grow. Don't miss your chance - check it out today! Don't forget to click on the MULTIMEDIA LINK BELOW! (id:22681)

4 Bedroom 2 Bathroom 2114

Royal LePage D C Johnston Realty Brokerage

For sale
$749,800
4113 HIGHWAY 9 Highway, holyrood, Ontario

4113 Highway 9 Highway

Holyrood, Ontario

Looking for a nice rural property, with a good house, outbuildings and room for a home-based business, then look no further than this 2.57 acre parcel, with A1 zoning. Minutes to Kincardine and Bruce Power. Charming, 2,400 square foot, 1 and 3/4 storey home, with 4 bedrooms, 1.5 bathrooms and many upgrades in recent years including a 600 square foot addition [2018] with hardwood flooring and a walkout to a 430 square foot deck [2018] that is wheel chair accessible. There is an insulated, 5' crawlspace, with a cement floor under the addition. The eat-in kitchen was upgraded in 2022 with gorgeous, solid wood cabinetry, a double, stone sink, backsplash and beautiful counter tops. There is a walkout from the kitchen to the enclosed, 3 season porch and a separate covered porch, also wheelchair accessible. The main floor also features a laundry room, 4-piece bathroom with a walk-in tub/shower combo, the primary bedroom and a sunny living room. Upstairs is blessed with a large den/craft room and 3 additional bedrooms, plus a 2-piece powder room. An abundance of windows, most replaced in the last 5-10 years, create a warm and inviting atmosphere to this delightful country home. Heating provided by an electric f/a furnace [2009] and a propane f/a furnace [2018]. There is a full, unfinished basement under the remainder of the house. The bonus features of this property include a 2,500 square foot, drive-through garage/shop [2013], with four, 12' high doors, concrete floor and sub-panel and a separate 3,200 square foot workshop/garage which features a 2 piece bathroom, carpentry shop, wood storage, meat cutting room, walk-in freezer [as is]. There are 3 automatic garage doors and 4 woodstoves [not WETT certified]. A municipal drain runs part way along the western boundary of the property [not on the subject property] and then across the front [road-side ditch] of the property to a culvert and then under the highway. (id:22681)

4 Bedroom 2 Bathroom 2439

Coldwell Banker Peter Benninger Realty

For sale
$985,000
65 ALBERT Street S, southampton, Ontario

65 Albert Street S

Southampton, Ontario

Welcome to 65 Albert St S, a stunning brick home nestled in the heart of Southampton, Ontario located just 2 blocks away from all the amenities Southampton has to offer, including sandy beaches, schools, downtown shops, parks, and walking trails. This commercially zoned property features a fully separated unit, perfect for use as a 2-bedroom, 1-bathroom rental, or to run your business from. This unit is complete with its own heating/cooling system, full bathroom as well as parking. Step out from the kitchen of this unit to the landscaped patio, featuring a hot tub, above ground pool, landscaped gardens, and gas fire table—an outdoor oasis perfect for relaxation. The main home boasts 3 bedrooms and 1 full bathroom, with plenty of updates throughout. The brand new kitchen offers modern updates, making it a focal point of the home and the beautiful back yard is accessible through the living room. Opening to the raised deck overlooking the above ground pool. This property is accessible via an alleyway at the rear, discover a second concrete driveway leading to the large detached garage with 2 separate bay doors. Don't miss your chance to own this exquisite property in the heart of beautiful Southampton! (id:22681)

5 Bedroom 2 Bathroom 1970

Sutton-Huron Shores Realty Inc. Brokerage

For sale
$669,000
53 TORONTO Road, flesherton, Ontario

53 Toronto Road

Flesherton, Ontario

Explore this beautifully renovated 3-bedroom bungalow, boasting a spacious new 24' x 25' attached garage, set on a generous 0.9-acre lot in Flesherton. The home welcomes you with a covered entry leading into a bright foyer that flows into vibrant living spaces. Enjoy the cozy ambiance of the living room, complete with a gas fireplace and patio access, ideal for blending indoor and outdoor living. On the main level, you’ll find a full bath, three sizable bedrooms, and extra storage closets, all designed to comfortably accommodate both family and guests. Venture downstairs to discover a substantial 22'3 x 22'3 family room, an additional full bath, laundry room, and storage room, with direct yard access that makes it perfect for an in-law suite setup. This home is well-equipped with a natural gas furnace, an HRV system, brand new water heater (2024), ensuring both comfort and efficiency. The property also includes an 8' x 20' garden shed for added storage or work area. Tucked away from the road, this home offers an exceptional level of privacy in a town setting. Claim this updated bungalow as your peaceful retreat. (id:22681)

3 Bedroom 2 Bathroom 1830

Century 21 In-Studio Realty Inc.

For sale
$1,499,900
302769 DOUGLAS Street, west grey, Ontario

302769 Douglas Street

West Grey, Ontario

Almost new home and fully serviced shop on over an acre! One year-old, three bedroom house on beautifully landscaped property with large two-bay shop on the edge of Durham. Almost 1800 sq/ft bungalow with almost 3300 sq/ft finished. Home has a Sommers natural gas backup generator that runs the whole house in power outages. Central A/C. Open-concept design with vaulted ceiling in the kitchen. Custom-built Barzotti cabinets are white, shaker-style with stainless steel appliances. All cabinetry, including bathrooms and laundry, in this home is custom-built by Barzotti. Loads of windows and natural light in this home. Features two full primary bedrooms with ensuites and walk-in closets. Main floor laundry. Gas fireplace in Livingroom. Attached two-car garage is wired and ready for an EV Quick-Charge station. Two-bay 36' x 40' shop is fully serviced - Hydro, Gas, A/C, Water & Holding Tank - with a 12' x 24' waiting room with two-piece bathroom. A/C in shop is a Heat Pump (Air Recovery) with two units - one in shop and one in waiting room. Translucent doors (12' x 8') with openers on both bays. Large parking lot at shop. Hydro pole next to the shop is wired and ready for security camera and auto-open gate system. This property checks all the boxes! (id:22681)

3 Bedroom 3 Bathroom 3282

Royal LePage Rcr Realty Brokerage (Hanover)

For sale
$425,000
8 PHILIP Place, kincardine, Ontario

8 Philip Place

Kincardine, Ontario

Welcome to Unit 8 Philip Place an updated, 3 bedroom 1 ½ bath, move in ready condominium. The updating includes a new electrical breaker panel (May 2024), a mini split heat pump for heating and cooling, flooring, kitchen and bathroom. The dining room overlooks the living room with its patio door access to the rear concrete patio. The lower level family room is currently being used as an additional bedroom. The unit has interior access to the built in garage. The laundry room is centrally located so you don’t need to go down to the basement. A new electrical breaker panel installed in May 2024. Grocery shopping is nearby and the condominium complex is on the school bus route. Water and sewer fees are included in the Condo fees. The property is a pet friendly neighbourhood. (id:22681)

3 Bedroom 2 Bathroom 1280

Century 21 In-Studio Realty Inc.

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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%.