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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
$660,000
206 JANE Street, walkerton, Ontario

206 Jane Street

Walkerton, Ontario

This spacious 4-bedroom, 3-bath home could be your last stop! The custom kitchen has oak cabinets with cherry stain, granite countertops, a spacious pantry & ornate-style ceiling. The great room offers views of the garden & fenced yard from 5 sets of patio doors. The cathedral ceilings, oak hardwood floors with cherry stain enhance this room! The 3-pc bath features a classy oversized claw foot tub; the envy of every lady! Open concept living room/formal dining is great for family gatherings. The main floor could easily convert to one level living with lots of room for visiting family upstairs. On the second floor there are 4 bedrooms with a 2 pc ensuite in the primary bedroom, and a surprising amount of closet space. There is a 3-piece bath with custom cabinetry. The double garage with an attached utility shed has front & rear doors to access the yard, plenty of storage. The bonus loft (400 sq ft) above the garage has a gas stove, excellent for a small rental unit, yoga studio or artist studio. The beautiful landscaping, entertainment-sized deck & huge driveway (fits 8 vehicles) are fabulous exterior features. This isn't just an ordinary home; it must be viewed for a full appreciation of all its amazing opportunities. (id:22681)

4 Bedroom 3 Bathroom 1967.2900

Exp Realty

For sale
$309,900
LT 15 GROSVENOR Street, southampton, Ontario

Lt 15 Grosvenor Street

Southampton, Ontario

The perfect building lot has been cleared and is right in the heart of beautiful Southampton, 3 blocks from the beach! There are three lots, side by side, in this cul-de-sac with a nature trail at the end of the hammerhead turn around. The lot is approx. 50'x102' so you can build any custom, dream home with up to a 2250 sq. ft. foot print (you could double this space with a two storey plan). Gas and Hydro services will be at the lot line and Water/Sewer are both municipal. Construction on road, services etc. are booked to commence in January if weather permits. New lot Owner(s) could have a building permit as soon as Summer 2023 if all goes well. The lot is across from the water treatment plant which is quiet and private with having no neighbors across the road. Trees will be added along with a trail in front so the view will be pleasant. Dennison Homes Inc. (the Owner of the lots) would be a great choice for a Local Custom Builder! They could start in the Fall of 2023 (with Spring 2024 occupancy if you hurry!) and have their own Interior Design Team, amazing Carpenters and a Custom Cabinet Shop to be able to make all of your dreams come true! (id:22681)

Sutton-Huron Shores Realty Inc. Brokerage

For sale Open House
$699,000
27 BELL Drive, northern bruce peninsula, Ontario

27 Bell Drive

Northern Bruce Peninsula, Ontario

WELCOME HOME to this raised bungalow in beautiful Pike Bay just a short 10 minute walk to Lake Huron. Located on a quiet year round maintained road, this home offers privacy with a large yard for gardening or stargazing the clear night skies. Enjoy your morning coffee in the enclosed porch which is extended to the full length of the house just off the living room. The upper level hosts a 4 piece bathroom and 3 bedrooms with the primary bedroom having an ensuite. Open concept kitchen and livingroom provide plenty of space for entertaining. The lower level has the detached garage that you can park your vehicle and enter the house from inside the garage. The finished recreational room in the basement provides extra space for guests. Plenty of storage space including the cold room. After a day of playing in the lake, complete your day enjoying the oversized sauna and shower in the basement. This property is centrally located in Pike Bay to the local general store, LCBO, and restaurant. Pride of ownership and maintenance shows throughout. The central air unit is 1 year old, the shingles were replaced in 2019. The vacant lot next to the property on the north side is additionally for sale for added privacy. (MLS® #40469395). Contact a REALTOR® today to book a viewing to see this beautiful home or cottage for yourself! (id:22681)

3 Bedroom 2 Bathroom 1538.0600

Exp Realty

For sale
$468,000
310 7TH Avenue, hanover, Ontario

310 7th Avenue

Hanover, Ontario

Very Well maintained bungalow close to downtown amenities, hospital and the P & H Center. Consisting of 2 bedrooms on the main floor, bright kitchen with ample cupboards, living room with gas fireplace & full bath. The downstairs has a 3rd bedroom, 2 pc bath and large rec room with gas fireplace. Some of the updates include newer windows, furnace (2009), roof (2008), electrical panel (2020), air conditioner (2020) and newer appliances include washer/dryer (2020) and stove (2023). There is a 14'6 x 22'6 attached garage, 18' x 12' workshop perfect for hobbies with 240V breaker panel, 6' work bench & 8' wide floor to ceiling storage shelves. There are beautiful 3 season perennial gardens & large rear yard. A great starter or retirement home! (id:22681)

3 Bedroom 2 Bathroom 1815

Louis Whaling Real Estate Inc. Brokerage

For sale
$424,900
LOT 15 EMERALD Drive, southampton, Ontario

Lot 15 Emerald Drive

Southampton, Ontario

Here’s your opportunity to bring your vision to life on this oversized building lot in Southampton. This pie shaped lot, with over 10,000 square feet offers plenty of room for your dream home or cottage. Imagine morning strolls along the nearby Rail Trail”, to take advantage of the natural beauty that surrounds you, and when it's time to unwind, indulge in the tranquility of Southampton's beautiful sand beaches, just a short walk away. Whether you're seeking a serene lifestyle or a vibrant hub for summertime living, this lot presents the perfect place for realizing your aspirations. Don't miss out on this opportunity to make your mark in one of Southampton's sought after neighbourhoods. No HST on the Sale price of this lot. (id:22681)

Royal LePage D C Johnston Realty Brokerage

For sale
$165,000
42 THOMPSON Avenue, saugeen indian reserve #29, Ontario

42 Thompson Avenue

Saugeen Indian Reserve #29, Ontario

Nestled just 900 feet away from the pristine shores of Frenchman’s Bay, known for its coveted white sands and secluded ambiance, this property offers an unparalleled retreat for beach enthusiasts. Boasting a charming 775 square foot cottage with 3 bedrooms and 1 bath, it presents an ideal family getaway. The interior features a spacious living room and a separate dining area, perfect for hosting gatherings and creating lasting memories. With robust infrastructure including an approved septic system, sand point well, and a new 100 amp panel and line, along with recent upgrades such as laminate flooring throughout and roof shingles replaced in 2018, this cottage promises both comfort and convenience. Situated on a generous treed lot spanning 85 by 170 feet, privacy abounds, complemented by expansive decks at both the front and back of the cottage, ideal for soaking in the tranquility of the surroundings. Offered fully furnished, it presents a turnkey opportunity to relish summer moments by the beach. Experience the allure of lakeside living with an annual land lease of $4600 plus a $1,200 service fee, making this a remarkable investment in both leisure and lifestyle. (id:22681)

3 Bedroom 1 Bathroom 775

Wilfred Mcintee & Co Ltd Brokerage (Southampton)

For sale
$699,000
756 BAYVIEW Street, wiarton, Ontario

756 Bayview Street

Wiarton, Ontario

Originally known as 'The Arthur Jones House' and then became 'The Anchor Inn! Rich with History you will be proud of! This home/commercial opportunity boasts a lot of original character, as well as, many potential business opportunities. Live here while building your dream business and enjoying a lifestyle dreamed by many! Across from the waters of Colpoy's Bay & Bluewater beach, walk directly across the street to the beach! Perhaps an airbnb or a B&B where your guests would enjoy the waterside and all that the town of Wiarton & the Bruce Peninsula has to offer. Create a food take out with the Marina and Bluewater Park almost at your doorstep, clearly an opportunity to have some great income! There are 4 bdrms, 2bth with other rooms for other potential bdrms or hobby/bonus rooms. The commercial kitchen is all set up ready and all the equipment is included. You will be impressed that all equipment is great shape. This kitchen was once a takeout French Fries and was a non-stop money maker! Start your opportunity and enjoy the lifestyle here, call now! (This property is zoned commercial, residential financing likely not applicable, be sure to talk to your finance specialist) (hst is applicable to this sale) (id:22681)

4 Bedroom 2 Bathroom 3317.5000

Keller Williams Realty Centres Brokerage (Wiarton)
Keller Williams Realty Centres

For sale Open House
$685,000
184 MCFARLIN Drive, west grey, Ontario

184 Mcfarlin Drive

West Grey, Ontario

Beautiful 4 Bedroom home in a quiet country subdivision only minutes to the great community of Mount Forest! Solid 2 story home sitting on a little over 3/4 of an acre. Upon entry the main floor consists of bright large windows from the kitchen looking into the back yard with plenty of room, mature trees and view of the fields. As you continue throughout the main floor you will find the inviting dining room, spacious living room, bedroom, 3 piece bath, laundry and some farm house appeal with the refinished original hardwood floors and brick walls. The second level offers 3 spacious bedrooms, a large 4 piece bath, and a bonus of a loft which is currently used for storage, however could be completed as a finished room. Some other great features include the large driveway, attached 1 car garage with loft, workshop, upgraded steel roof(2012), newer furnace(2019) and newer appliances(2022). Enjoy the luxury of that country feel with the convenience of being so close to the town! (id:22681)

4 Bedroom 2 Bathroom 2031

Royal LePage Rcr Realty Brokerage (Mf)

For sale Open House
$744,900
643 MACYOUNG Drive, kincardine, Ontario

643 Macyoung Drive

Kincardine, Ontario

Welcome to 643 Macyoung Drive in Kincardine. This stunning raised bungalow features all luxury vinyl/tiled flooring throughout with 3 bedrooms on the main floor with a master ensuite and another 4-piece bathroom. The open concept living and kitchen area is sure to impress with its large front window and patio door for lots of natural light along with a spacious kitchen with an island. The walk-out basement is a great feature in this home, with a large family room, one additional bedroom, and a full bathroom. The outdoor space is equally impressive, with a large deck that provides a stunning view of the neighborhood along with a large concrete pad for additional outdoor sitting area. The fully fenced backyard is a perfect place for kids and pets to play. This home is located in a family friendly neighborhood just a short walk to local schools and the Kincardine trail system. Another great feature of this home is the attached 2-car garage and storage shed for ample storage. Don't miss your chance, call your REALTOR® today! (id:22681)

4 Bedroom 3 Bathroom 2169

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$249,900
341 BRUCE ROAD 40, elderslie twp, Ontario

341 Bruce Road 40

Elderslie Twp, Ontario

Well kept country church sitting on a high, dry lot of over 1/2 an acre on the west edge of Dobbinton. Last service will be June 30th, 2024 and this lovely old building will be looking for a new purpose. In speaking with the CBO of the Municipality, it does not appear a switch to residential zoning will be an issue at all. Buyer welcome to confirm this. Looks like a very good drilled well with the casing well above ground level. We think the septic will be a small system and may need an upgrade for residential use. The basement sits nicely up out of the ground making it bright and cheery. Much like a raised bungalow, upon entering a very spacious entry area a few steps takes you either up or down. At this price point you can do the upgrades to residential and have a one of a kind heritage home in the country on a 1/2 acre lot at an affordable price for you and your family to enjoy for many years to come. The property is subject to an unregistered easement along the west side (see tracks) for the farmer to the south to allow him access to his property on a seasonal basis. (id:22681)

1 Bathroom 2947

Coldwell Banker Peter Benninger Realty Brokerage (Walkerton)

For sale Open House
$499,900
772 BAYVIEW Street, wiarton, Ontario

772 Bayview Street

Wiarton, Ontario

Discover this charming BUNGALOW nestled in Wiarton, offering picturesque water views year-round and convenient proximity to Georgian Bay additionally located along the Bruce Trail. Boasting a prime location on Bayview Street - the address says it all. This property provides a comfortable residence or cottage retreat mere steps away from Bluewater Park and the crystal clear waters of Georgian Bay. This 2-bedroom home features a luminous living room with expansive windows that showcase the tranquil waters of Colpoys Bay. New breaker panel less than 8 years old, new roof, water heater, and the bathroom was renovated less than 5 years ago. Located just two blocks from downtown Wiarton, residents can enjoy the serene scenery from the new Trex composite front deck while being within walking distance of local amenities. Experience the tranquility and beauty at this Bayview Street gem. (id:22681)

2 Bedroom 1 Bathroom 822

Exp Realty

For sale
$1,125,000
116 GOLDEN POND Drive, gould lake, Ontario

116 Golden Pond Drive

Gould Lake, Ontario

Amazing WATERVIEWS from this spectacular 2720 sq ft 3 bedroom, 2 bathroom Bungalow on a large 131ft x 229ft pie shaped lot zoned R3 on the very desirable Gould Lake Peninsula. The interior offers a open concept kitchen with sunken water view living room, inside complimented by hardwood maple flooring, ceramic tile along with linoleum in the laundry/foyer off of the oversized 22ft X 36ft insulated garage. The custom kitchen cabinetry is pine with ample storage and prep area there is also pine ceilings in the living room giving a feeling of warmth and rustic cottage charm. There are 2 good sized bedrooms on the main level with walk out decks also a 4pc nicely appointed main bathroom. Moving to the lower level there is a good sized bedroom with 3 PC bathroom along with a large family room and a walkout to the water view patio under the deck. The primary heat source is a forced air propane forced furnace with central air and wood stove in the family room which the current owner mainly uses as a heat source heating the entire home. There is also a workshop, storage area, utility room and cool. Follow your own pathway from the rear of the home to the private boat launch and slip with a swimming park area. This magnificent family home is centrally located close to Sauble Beach, Port Elgin, Southampton, Wiarton,Owen Sound and the Bruce Peninsula. There also so much to do right at your door with swimming, water skiing, boating, great fishing and the memory making camp fires. There is a 260 ft drilled well water supply with iron filtration and softener system, class 4 septic system and a 200amp breaker panel. Access to your new home is on Golden Pond Drive which is municipally maintained school bus route with Garbage/Recycling Collection. There is lake access in numerous areas and also offers a private boat launch with boat slip included. I thinks that has ticked all the boxes, Oh wait, one more........ You. (id:22681)

4 Bedroom 1 Bathroom 2740

Royal LePage Rcr Realty Brokerage (Wiarton)

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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%.