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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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For sale
$1,299,000
135280 9TH Line, grey highlands, Ontario

135280 9th Line

Grey Highlands, Ontario

Family retreat nestled on a sprawling 12-acre private treed lot adorned with beautiful perennial gardens, ponds, & plenty of room and shelter for your farm pets!! The well-maintained bungalow boasts 2+2 bedrooms, 2+1 bathrooms, and an abundance of delightful features that will make you feel right at home with the perfect blend of serenity, comfort, and functionality. The heart of this home is the kitchen w/ views of a gorgeous pond stocked with koi fish. The open concept dining/living room is perfect for family gatherings and entertaining, creating a seamless flow throughout the main living area. Practicality meets convenience with a main floor laundry/mudroom. Downstairs, a full finished basement awaits with an additional 1072 sqft, double sliding doors and full size windows complete this spacious family room, a large cold room, a versatile office space, & the luxurious touch of in-floor heating. For those cozy winter evenings, you'll appreciate the WETT certified wood stove, while forced air propane heating & A/C offer climate control for every season. New doors with integrated blinds adorn the entire home, adding style & functionality. Step out onto the screened-in back porch or covered front porch to savour your morning coffee or enjoy the peaceful surroundings. For the avid gardener or hobby farmer, this property is a true paradise. Explore the rolling landscape, which boasts a second pond, meandering trails, & captivating character at every turn. A goat paddock with a dedicated goat house, a separate pheasant paddock, and a fully fenced-in, chipmunk-proof garden w/ raised beds await your green thumb. Additional amenities include a garden work shed & a storage run-in shed, providing ample space for your tools and equipment. The large driveway is great for tractor trailer & RV parking. Located just 10 minutes from Markdale, this property is nestled in a prime recreational area, offering endless opportunities for outdoor exploration & relaxation. (id:22681)

4 Bedroom 3 Bathroom 2402

Century 21 In-Studio Realty Inc.

For sale
$1,299,000
135280 9TH Line, grey highlands, Ontario

135280 9th Line

Grey Highlands, Ontario

Family retreat nestled on a sprawling 12-acre private treed lot adorned with beautiful perennial gardens, ponds, & plenty of room and shelter for your farm pets!! The well-maintained bungalow boasts 2+2 bedrooms, 2+1 bathrooms, and an abundance of delightful features that will make you feel right at home with the perfect blend of serenity, comfort, and functionality. The heart of this home is the kitchen w/ views of a gorgeous pond stocked with koi fish. The open concept dining/living room is perfect for family gatherings and entertaining, creating a seamless flow throughout the main living area. Practicality meets convenience with a main floor laundry/mudroom. Downstairs, a full finished basement awaits with an additional 1072 sqft, double sliding doors and full size windows complete this spacious family room, a large cold room, a versatile office space, & the luxurious touch of in-floor heating. For those cozy winter evenings, you'll appreciate the WETT certified wood stove, while forced air propane heating & A/C offer climate control for every season. New doors with integrated blinds adorn the entire home, adding style & functionality. Step out onto the screened-in back porch or covered front porch to savour your morning coffee or enjoy the peaceful surroundings. For the avid gardener or hobby farmer, this property is a true paradise. Explore the rolling landscape, which boasts a second pond, meandering trails, & captivating character at every turn. A goat paddock with a dedicated goat house, a separate pheasant paddock, and a fully fenced-in, chipmunk-proof garden w/ raised beds await your green thumb. Additional amenities include a garden work shed & a storage run-in shed, providing ample space for your tools and equipment. The large driveway is great for tractor trailer & RV parking. Located just 10 minutes from Markdale, this property is nestled in a prime recreational area, offering endless opportunities for outdoor exploration & relaxation. (id:22681)

4 Bedroom 3 Bathroom 2402

Century 21 In-Studio Realty Inc.

For sale
$500,000
600 8TH Avenue, hanover, Ontario

600 8th Avenue

Hanover, Ontario

Welcome to this updated home with tonnes of character, plus a detached double car garage, another large Fleming utility shed and a fully fenced yard. Upon entering the front door you will notice the brand new floors. The main floor offers you a front living room, dining room, large kitchen with newer white cabinets, and a back addition with the laundry room and a 3pc. bath. Go upstairs to the 3 bedrooms and a 4pc. bath with the refinished original clawfoot tub. The master bedroom was 2 bedrooms and could be easily converted back. The basement is awaiting your ideas...you could add a rec room with the 6'10 ceiling height. The garage has a good concrete floor, is insulated and heated. Many updates have been done here including the f/a gas furnace '09, tankless gas water heater '21, water softener '22, kitchen cabinets '21, copper wiring and a whole home surge protector, pex and copper plumbing, ABS drains and main stack, new flooring throughout, majority of windows are repl. vinyl, some newer shingles. Other features include the gas stove, dryer and bbq hook-up, 2 composite chairs and 2 small tables. (id:22681)

3 Bedroom 2 Bathroom 1436

Royal LePage Rcr Realty Brokerage (Hanover)

For sale
$819,900
2 SAUBLE WOODS CRES N, sauble beach, Ontario

2 Sauble Woods Cres N

Sauble Beach, Ontario

This pristine updated 3 +1 bedroom bungalow home with attached 1.5 car garage is tucked back in a very quiet area but within walking distance of the Beach and all the shopping and entertainment! It sits on a beautifully landscaped half acre lot finished with Shouldice Designer Stone and aluminum siding for low exterior maintenance. It has main floor living with a separate entrance to the basement through the garage. The detached 22 x 14 garage/workshop or perhaps bunkie in the backyard is insulated and has hydro. The updates include new roof 2019, new furnace with new central air 2018, applied epoxy coating on front step, constructed cement patio in backyard with coloured and stamped edging , updated all kitchen appliances, installed new windows except for the front living room, new water softener system 2022, installed quartz countertops in kitchen, marble countertop and surround tub in main bathroom, marble countertop in ensuite, new flooring in living room, kitchen, family room and all bathrooms and painted the entire house. Move in and enjoy this spacious home with plenty of room for family and entertaining! (id:22681)

4 Bedroom 3 Bathroom 2500

Homelife Bayside Realty Ltd Brokerage

For sale
$184,900
4693 HIGHWAY 6, miller lake, Ontario

4693 Highway 6

Miller Lake, Ontario

Welcome to the Northern Bruce Peninsula, a breathtaking retreat nestled in the heart of nature’s serenity. Today, we invite you to discover a stunning property that could be the canvas for your dream home. Spread over nearly five acres of pristine woodland, this parcel offers the perfect blend of privacy and accessibility. Located just 18 minutes from Lion’s Head and the charming village of Tobermory, it’s a gateway to unparalleled relaxation and adventure. Already set with a long, private gravel driveway and a welcoming gate, the groundwork has been laid for your future. Imagine a custom-built bungalow here, tailored precisely to your desires. The seller had previously secured an approved building permit, simplifying your journey from dream to reality. Whether it's a cozy cottage or a permanent residence, this lot is ready for construction. Just minutes away, the crystal-clear waters of Lake Huron, Georgian Bay, and Miller Lake await. Spend your days boating, swimming, or fishing. Then, as evening falls, unwind to the sight of starlit skies and the sounds of nature. Make the Bruce Peninsula more than just a getaway. Make it your home. This property isn’t just a place to live; it’s a lifestyle waiting to be embraced. Come and see for yourself why life here is just better. 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)

Chestnut Park Real Estate Limited

For sale
$529,000
605 2ND Avenue S, sauble beach, Ontario

605 2nd Avenue S

Sauble Beach, Ontario

Here it is! A quaint Sauble Beach cottage with all the features you are looking for! Let's start with the perfect location just a short walk to the beautiful sandy beach and the world famous Lake Huron sunsets or to the main street for a little shopping or evening ice cream cone. The cottage is in excellent repair and comes fully furnished inside and out with décor perfect for the beach lifestyle. The open concept layout features a cozy enclosed front porch for those rainy card game days, a living area with gas fireplace and patio door to the side deck, a lovely galley kitchen with eating area, and a 3 pc bath. There are two bedrooms with one having a walkout to its own private sitting deck for your morning coffee and a 3rd bedroom/sleeping area which has two built in bunkbeds to cozy up in. And what cottage would be complete without an adorable bunkie with two beds that the kids will love! Upgrades within the last 6 yrs include many new windows, siding, side deck, front flagstone walkway, approved septic system, standpoint well and gravel driveway. Currently fully rented for July and August, you can enjoy the quiet offseason this year and the significant income from prime time rentals. (id:22681)

3 Bedroom 1 Bathroom 694

Royal LePage Exchange Realty Co.(P.e.)

For sale
$599,000
217 INKERMAN Street, paisley, Ontario

217 Inkerman Street

Paisley, Ontario

** New photo's and floorplans!! Consider this lovely Victorian home on a half acre Municipal corner lot in the Village of Paisley. Circular driveway embraces the brick home along with its many enclosed porches and a newer deck. Included is a barn with carport, storage and loft, a large garage / storage building with bay doors and a man-cave shed created to enjoy the summer months. Shingle roof was done in approximately 2013 The current owner completely renovated the kitchen, built a pantry and separate butlers pantry summer-kitchen/laundry in recent years. House is simply too large for this one owner and it is time to move on. Other than one bedroom the rest of the second floor is now mostly used for storage, as are the outbuildings. Antiques abound which really suits the home. Seasonal water view from the second floor shows the Teeswater River in its natural beauty. Nearby is the trestle bridge and rail trail network. Two blocks away you'll find the post office and the south business end of the Village. So much to love here, this is a very special property. The Village of Paisley is enjoying much growth (id:22681)

4 Bedroom 2 Bathroom 3118

Coldwell Banker Peter Benninger Realty
RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale
$740,000
436 VICTORIA Street E, dundalk, Ontario

436 Victoria Street E

Dundalk, Ontario

2000 square feet of living space in this 4 bedroom side-split on 74x165 lot, on Dundalks nicest street. Oversized living and dining areas, kitchen with cherry cabinets and views of the back yard. Family room features walkout to patio, natural gas fireplace and stone surround. Handy 3 piece bath just inside from the garage and side entrance. Four bedrooms with large closets, master with 2pc ensuite. Main bathroom is 4 piece. Hardwood flooring and tile throughout. Lower level craft room is 229x28 and houses the laundry and mechanicals. Cold storage and 400 square feet of additional storage space on lower level. Attached garage with gas heater. Roof shingles replaced 2015, windows 2015, sump pump 2022, central vac 2018. Heat is natural gas boiler. (id:22681)

4 Bedroom 2 Bathroom 2730

Royal LePage Rcr Realty Brokerage (Flesherton)

For sale
$549,900
439021 LAKESHORE Drive, annan, Ontario

439021 Lakeshore Drive

Annan, Ontario

This sweet bungalow is located in the quaint village of Annan, just far enough out of Owen Sound to provide peace and tranquility, with only a 6 minute drive to all the amenities of the east side. Enjoy the expansive view of the sky out the large west facing windows. Sitting on just over 2 acres, you have the space to make dreams come true! Gardens, a pool, a hen house? You have three good sized bedrooms, a large, functional kitchen and an inviting living room on the main floor. The large Blaze King woodstove will keep the house cozy warm in the winter months. The lower level is a great space for the kids and family fun nights! Sit and enjoy the sounds of nature on the covered side porch. This home is ready for your family to move in and enjoy! (id:22681)

3 Bedroom 1 Bathroom 1173

Royal LePage Rcr Realty Brokerage (Os)

For sale
$429,900
410 RUSSELL Street, kincardine, Ontario

410 Russell Street

Kincardine, Ontario

Convenient downtown core area home located steps to Victoria Park, downtown shopping, Geddes Park and schools with an easy-to-care-for yard. 2 bedrooms up and lots of living space on the main floor with a bonus front verandah. The house has received many recent upgrades including a newer kitchen, bathroom, gas furnace, hot water heater & metal roof. Great first-time buyer or investor home! Call to schedule your viewing today! (id:22681)

2 Bedroom 2 Bathroom 1202

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$449,900
184 VICTORIA Street, paisley, Ontario

184 Victoria Street

Paisley, Ontario

Want a house that is practical and affordable? This may be it! Lots to love here starting from the outside, this corner lot is a little over a quarter of an acre in size! All buildings from the house to the 2 garden sheds ~ have metal roofs. Located at the intersection of Victoria and Alma Streets, the Rail Trail cuts diagonally across which is ideal for people who enjoy recreational walking, cycling, atv’ing etc. Generous covered porch has just the right views to watch the world go by and greet the squirrels, rabbits, and cardinals. Inside, the house has a practical floorplan which includes a main floor master bedroom, laundry room and bathroom, kitchen and large living room/dining room combination. Upstairs are 4 more bedrooms with one positioned just right to become a second bathroom. Partial basement adds more storage and a workshop! Only 2 blocks from the school and the amenities of Paisley, this location is also a short distance to the Teeswater River and the historic Paisley (Stark’s) Mill. 2022 new hot water heater and 2023 natural gas furnace, this home also has updated fibre optics. Once upon a time a Barber worked from within these walls, since then many families and children have called this house ~ home. Your turn! (id:22681)

5 Bedroom 1 Bathroom 1460

Coldwell Banker Peter Benninger Realty

For sale
$1,350,000
223 LAKESHORE Road S, meaford, Ontario

223 Lakeshore Road S

Meaford, Ontario

Fantastic waterfront vacant building lot on a sought-after quiet private paved road in beautiful Meaford. Stunning clean shoreline, rugged Georgian Bay style at its very best. Property has been cleared, ready for your project. These properties do no come available often. Swim, paddleboard, kayak from your own property, or just watch the sun rise over the water as you relax. Ride your bike to quaint Meaford to visit the shops, restaurants, shows and parks. For skiers, only 19 minutes to Georgian Peaks. Avoid the crowds at this piece of heaven, but know you are just minutes away from what the exciting Blue Mountains area offers. Plenty of opportunity with this property at 75’ x 170’ (approx.). Engineering report available to support construction closer to water edge. (id:22681)

Ron Hopper Real Estate Ltd Brokerage

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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%.

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