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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

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SHANNON DECKERS

Why Choose Us

Z

Honesty

Truthful assessments and real estimates based on current markets.

Availability

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

Determination

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

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For sale
$875,000
138268 GREY ROAD 112, meaford (municipality), Ontario

138268 Grey Road 112

Meaford (Municipality), Ontario

On the edge of the dynamic town of Meaford, this 2 acre country property is beautifully situated in a farming neighbourhood with so much to offer. Just up the road is the Tom Thomson trail for hiking, Irish Mountain lookout for a picnic, or the hunters and anglers club for camaraderie. You are moments from the harbour and marina, diverse restaurants, Meaford Hall, farmers' market, and the new library - yet deer and wild turkeys wander across the rural view outside your windows. The house, rich in character, features a sunroom at the front and a family room at the back, both giving access to natural light and out to lovely lawns. These are perfect spaces for family and friends to hang out for a coffee or a feast of highly praised local produce. Upstairs are three bedrooms and a bath and in the basement there is a second living quarters with separate entrance, great for visitors or renters. With a natural gas furnace, air conditioning, and a metal roof added in 2015, this is a cozy family home. The garage/shop is huge - 75' x 30' - with the first 30 feet currently an insulated workshop; tons of potential for a wide array of activities. Enjoy this country retreat in a sought-after neighbourhood! (id:22681)

5 Bedroom 2 Bathroom 1595.8000

Exp Realty

For sale
$1,920,000
385147 4TH CONCESSION A, grey highlands, Ontario

385147 4th Concession A

Grey Highlands, Ontario

Grande Old Farmstead! There aren't many left like this one. Stately cream brick farmhouse with 4 bedrooms, 2 Fireplaces (one is in the primary!) overlooks spring fed pond on this 100 acre parcel. Bank barn with horse stalls. Lawns run to the road past the tennis court. Approximately 2 miles of horse trails cut through rolling hills and trees. Approximately 30 acres workable. Unique property with great home and setting with owner willing to entertain first mortgage vendor take back. (id:22681)

4 Bedroom 2 Bathroom 3150

Windchime Realty Ltd Brokerage

For sale
$1,789,000
303476 SOUTH Line, west grey, Ontario

303476 South Line

West Grey, Ontario

Magical log home, pond & acreage! This stunning 7 bedrm Canadian log home was built in 1992, nestled on 22 acres of picturesque land, it holds a harmonious blend of rustic appeal & modern elegance. Meticulously crafted to preserve its historical charm, the log home incl. a grand timber frame offering a tranquil escape out of the city & into nature. Enjoy a coffee on the covered front porch overlooking the landscaped grounds or relax inside the sitting room by a wood stove featuring handmade brickwork. Radiant in-floor heating thru-out the main floor keeps things cozy.The updated kitchen w stainless steel appl., pantry, & soapstone countertops will invite many culinary moments. The main flr. also hosts the primary bedrm, complete w a 4-piece ensuite featuring a cast iron tub & separate glass shower. On the 2nd floor, you'll find a loft w skylight along w 3 bedrooms & 3-piece bathrm. featuring a 2nd cast iron tub. Finished basement. w 2 additional bedrms, a 5-piece bthrm. w a glass shower & separate soaker tub, laundry rm w farm sinks, rec rm, and 2 cold rms. A convenient walk-up to the outside completes this level. Modern amenities incl. a propane furnace, HRV, on-demand domestic water heaters, & a steel roof. Enjoy reliable int., updated windows, & unique ELFs sourced from an old school house. Step outside to discover a terraced perennial garden w numerous water features, a sprawling spring-fed swimming pond (18' deep) w dock, & outdoor shower. Embrace your green thumb w a raised garden bed area & potting shed. This 4 season retreat has a vast # of activities avail. for the entire family all year long!! Additional structures on the property incl. a 1-car det. garage w hydro (perfect for a studio), bunkie w hydro, & 3-car det. garage w workshop & generator plugin. Look into the benefits of the MFTIP. A snowmobile trail runs thru the top of the property, & just minutes away from town amenities. Enjoy proximity to the BVSC, golf courses, & conservation lands. (id:22681)

7 Bedroom 3 Bathroom 3550

Century 21 In-Studio Realty Inc.

For sale Open House
$789,000
17 MOORE Street, north bruce peninsula, Ontario

17 Moore Street

North Bruce Peninsula, Ontario

Nestled in the picturesque town of Lions Head, this recently updated home offers modern comfort and convenience in a charming setting. Updates within the last year include new roof, siding, soffit, and fascia, along with some new windows and patio door, this residence radiates freshness and durability. The chain link fence ensures both pet safety and privacy, while the inviting gazebo sets the stage for delightful outdoor gatherings in the spacious backyard. Step inside to discover an updated interior, featuring fresh paint throughout a refreshed bathroom with a tub and shower combo, new flooring throughout, and a updated kitchen with a new countertop. Additional upgrades include insulated and spray foamed crawl space, a new concrete front porch and walkway. Enjoy the comfort of new carpet on the stairs and the convenience of an updated linen closet in the upstairs bathroom. The property also offers versatility with a back bedroom boasting a separate entrance, ideal for potential use as an in-law suite. Conveniently located minutes away to all downtown amenities, residents can enjoy easy access to outdoor adventures and everyday conveniences. Plus, with a local sandy beach just a 5-minute walk away, and the stunning Lions Head Lighthouse a mere 4-minute drive, the best of coastal living awaits. Adding to the allure, it's just a quick 9-minute stroll to the Bruce Trail, offering even more opportunities for outdoor exploration. Lions Head itself is a vibrant community known for its friendly atmosphere and natural beauty. Situated along the Bruce Peninsula, residents enjoy access to stunning hiking trails, breathtaking lookouts, and pristine beaches. The town boasts a variety of shops, restaurants, and local attractions, making it a desirable destination for both tourists and permanent residents alike. With its small-town charm and proximity to outdoor activities such as the farmers market and live music, Lions Head offers the perfect blend of relaxation and adventure. (id:22681)

3 Bedroom 2 Bathroom 2306

Keller Williams Realty Centres

For sale
$189,000
15 MARSHALL Place, southampton, Ontario

15 Marshall Place

Southampton, Ontario

PRICED TO SELL! Bring your builder or work with the developer's custom home builder Alair Homes. Beautiful large lot with mature trees at the rear. Architectural controls and design ensure the integrity of this development. Become part of Southampton's newest development called Southampton Landing; comprised of well-crafted custom homes in a neighbourhood with open spaces, protected land and trails. Architectural Control & Design Guidelines enhance the desirability of the Southampton Landing subdivision. Southampton is a distinctive and desirable community with all the amenities you would expect in a larger center. Located along the shores of Lake Huron, promoting an active lifestyle with trail systems for walking or biking, beaches, a marina, a tennis club, and great fishing spots. You will also find shops, eateries, an art centre, museum, and the fabric includes a vibrant business sector, a hospital and schools. Make Southampton Landing your next move! The builder must be a TARION registrant. (id:22681)

RE/MAX Land Exchange Ltd Brokerage (Pe)

For sale Open House
$749,900
285 2ND Avenue E, owen sound, Ontario

285 2nd Avenue E

Owen Sound, Ontario

This is a rare opportunity to own waterfront property and be in town! Introducing the Owen Sound Oasis. This home offers the best of both worlds. Inside, you’ll find a beautifully updated home with 3 bedrooms, complete with easy-access laundry. The updated kitchen is bright and airy, open to the dining area with water views. Following a meal in the dining room featuring gorgeous hardwood flooring, meet in the spacious living area perfect for the whole family or guests, leading out to the water-facing back deck. In the additional living areas, you’ll find a fireplace to stay cozy on the cooler nights. The spacious and comfortable bedrooms are perfect for family and friends, or even as an office space to work or study. Plus, for an extra piece of relaxation, try out the sauna in the basement. Outside, enjoy the stunning views out to the water from the covered back deck, crafted with low-maintenance composite decking material. The large backyard provides ample space for all your outdoor activities, whether it’s soaking up the sun, enjoying the water on a canoe, kayak or paddleboard or making snowmen in the winter. This property also has the bonus of being within walking or paddling distance of Harrison Park, perfect to enjoy the best of outdoor exploring with all the perks of being located in Owen Sound with amenities, schools, and shopping. Don’t miss the opportunity to enjoy waterfront living at its finest at the Owen Sound Oasis. (id:22681)

3 Bedroom 3 Bathroom 2123

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

For sale
$637,500
125 ELORA Street S, harriston, Ontario

125 Elora Street S

Harriston, Ontario

Beautiful and historic 2 storey Victorian style brick home. Large rooms with tons of charm and character everywhere you look. Main floor features a gas fireplace, livingroom and familyroom, main floor laundry, 3 pc bath and multiple staircases to upper level. Upper level has 4 bedrooms and a 5 pc bath. Outside has a fully fenced yard with above ground pool. Recent updates include wiring, AC/furnace, and both bathrooms. A must see!! (id:22681)

4 Bedroom 2 Bathroom 2290

RE/MAX Midwestern Realty Inc Brokerage (Har)

For sale
$969,000
21 GRENVILLE Street N, southampton, Ontario

21 Grenville Street N

Southampton, Ontario

Welcome to 'The Saugeen'! A 2 bedroom bungalow crafted by Launch Custom Homes in the Easthampton development! Great room with open kitchen, dining room & living room with cathedral ceiling. Double garden doors surround the fireplace and extend the living area to the rear covered deck. Luxurious primary suite with 5 piece ensuite bath and walk in closet. Front bedroom has home office options. Designed for main floor living! Unfinished basement has options for 450 sq. ft. of living space with 2 bedrooms and a 3 piece bath for additional family or guests plus options for a 914 sq. ft. residential unit with 2 bedrooms, 3 piece bath and bright living space. Completely separate living! Explore the many options today! Truly customize your home - Act Now - There is still opportunity to work with Design Team to pick your finishes! (id:22681)

2 Bedroom 2 Bathroom 1496

Century 21 In-Studio Realty Inc.

For sale Open House
$1,250,000
9573 ROAD 3 N, minto twp, Ontario

9573 Road 3 N

Minto Twp, Ontario

Country paradise on 2 acres! 1620 sq ft bungalow with double garage. Large open concept home with 12 x 22 sunroom off kitchen, 2 bedrooms, and 2 - 4 pc baths on main level. Finished walkout basement has rec room with woodstove, 3 pc bath, bedroom, cold room, and office. 27' x 40' shed with two horse pens, hay/straw storage and two paddocks. A must see!! (id:22681)

3 Bedroom 3 Bathroom 3240

RE/MAX Midwestern Realty Inc Brokerage (Har)

For sale
$329,900
293 11 Street E, owen sound, Ontario

293 11 Street E

Owen Sound, Ontario

Whether you're seeking a wonderful family home or a savvy investment opportunity, 293 11th St. E. is the address to consider. Situated conveniently in downtown Owen Sound, this property has undergone a complete renovation in 2020. This home has been thoughtfully renovated from top to bottom, including new insulation, drywall, flooring, and furnace. The kitchen has an abundance of cabinets. Included are three appliances, making meal preparation a delightful experience for all. Enjoy the convenience of main floor laundry, making daily chores a breeze and adding an extra layer of practicality to your lifestyle. With three bedrooms, this home provides ample space for a growing family or a flexible layout for various needs. Both the full and half bathrooms have been tastefully updated. Take advantage of the downtown lifestyle with easy access to local amenities, shops, and entertainment. Enjoy the vibrant community while residing in this renovated home. Make 293 11th St. E. your new address and experience the perfect harmony of comfort and convenience. (id:22681)

3 Bedroom 2 Bathroom 2378

Exp Realty

For sale
$449,900
820 YONGE ST S Street, walkerton, Ontario

820 Yonge St S Street

Walkerton, Ontario

If you want the classic century home, oozing with character, this one is worth seeing. The main floor has 9 ft ceilings throughout, lots of hardwood, starting with a gigantic newer eat-in kitchen with over 20 cupboards, a good sized formal dining room, and a cozy living room with a fireplace and a bay window. There's also a huge great room with a walk out to the deck and a 2 pc powder room. There are stained glass windows and the front door has stained glass and shows very well. The 2nd floor has a large primary bedroom with a walk in closet that exits onto the spacious attic room which offers many options. Two more good sixed bedrooms and a 4 piece bathroom The unfinished basement has 7 ft ceilings and offers loads of storage space and a laundry room. The property is landscaped and has been well maintained. The oversized 1 car garage measures 18 ft x 22 ft. The inviting front porch measures in at 28 ft 9 in x 7 ft 3 in. The deck is 11 ft 8 in x 15 ft 6 in. (id:22681)

3 Bedroom 2 Bathroom 2177

RE/MAX Land Exchange Ltd Brokerage (Hanover)

For sale Open House
$769,000
45 MAPLE Street, tiverton, Ontario

45 Maple Street

Tiverton, Ontario

If you are searching for a solid home and garage, plus detached shop on half acre then this may be it! Welcome to this 3 bedroom (possibly 4), 1.5 bath home with attached garage and detached workshop (24' x 36'), in the charming Village of Tiverton. The home has enjoyed one family lovingly caring for it and residing in it all of its life and there were many details encompassed and engineered by them in the construction, that are still evident in the home today. Features to highlite are the solid all-brick home, genuine hardwood floors in many rooms, drywall in excellent condition, original Van Dolder kitchen cabinets, closets in all bedrooms, recently added natural gas stove (first option for your budget)with electric baseboard backup, 200 amp service, attached 20' x 24' garage and then outside features are detached workshop, the double concrete driveway (only driveway on this non-through area of Maple Street), veranda 23.8 feet long at main level entrance, covered patio at rear, outside entrance to lower level and all so perfectly situated on the square-shaped landscaped lot showcased with many mature trees (that probably share close to the same birthday as the home). Living here at the edge of the village or the edge of country whichever way you say it gives you a quiet, private setting while enjoying the amenities of the area and overlooking the surrounding fields. Tiverton has a Restaurant/Pub, Pizza (take-out), general store with LCBO outlet, walking trails, playgrounds, arena, community centre, churches, nearby schools with bus route and much more. Lake Huron beaches and many employers (including Bruce Power) are only a 10-15 minute drive. Always exciting activities by organizations throughout the year right here or a short drive away. (id:22681)

3 Bedroom 2 Bathroom 2334

Coldwell Banker Peter Benninger Realty

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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%.