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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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For sale
$1,295,000
136 WEST Street, georgian bluffs, Ontario

136 West Street

Georgian Bluffs, Ontario

Introducing a charming log home nestled on 13 acres of serene landscape, conveniently located on West Street on the outskirts of Owen Sound, in the highly sought after Georgian Bluffs. This rustic retreat spans almost 2000 square feet of finished living space and offers the allure of countryside living with the convenience the city nearby. Boasting three bedrooms and two full bathrooms, this cozy abode provides ample space for comfortable living, while the unfinished walkout basement presents an opportunity for expansion or customization. Natural gas forced air furnace and cooking stove, central air conditioning, and in floor heat in the basement. The detached 32' x 36' shop adds versatility for hobbies or storage needs and is roughed in for in-floor heat. Enjoy the tranquility of rural surroundings complete with frequent wildlife visitors. (id:22681)

3 Bedroom 2 Bathroom 1976 sqft

Sutton-Sound Realty Inc. Brokerage (Owen Sound)

For sale
$729,000
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 sqft

Coldwell Banker Peter Benninger Realty

For sale
$699,000
3 PIERCE ST N, oliphant, Ontario

3 Pierce St N

Oliphant, Ontario

Welcome to your perfect retreat just a short walk from the picturesque shores of Lake Huron, boasting pristine beaches and a sprawling marina. Here, you can indulge in the lakeside lifestyle, whether it's enjoying leisurely swims, exciting boating adventures, or simply basking in breathtaking sunsets. This newly constructed home offers modern comfort and style in a serene setting. Features include in-floor heating, durable steel roof, heated garage, and a covered back porch overlooking a spacious yard with a pool. Inside, the kitchen boasts stainless steel appliances and quartz countertops, while the master suite includes two large closets and a luxurious walk-in shower. With 3 bedrooms and 2 bathrooms, there's plenty of space for your family or guests. Conveniently situated near Wiarton and Sauble Beach, you'll have easy access to amenities such as schools, hospitals, shops, and restaurants. Outdoor enthusiasts will love the proximity to ATV and snowmobile trails. Embrace the opportunity to call this beautiful home your own and seize the chance to create lasting memories in a space that radiates warmth and elegance. Don't let this rare opportunity slip away – make it yours before it's too late! (id:22681)

3 Bedroom 2 Bathroom 1543 sqft

Keller Williams Realty Centres

For sale
$749,000
170 DURHAM ROAD A, grey highlands, Ontario

170 Durham Road A

Grey Highlands, Ontario

Move-in ready historic century home in a quiet neighbourhood steps from the Saugeen River! This 1895 Presbyterian Manse on a large private lot in Priceville is the perfect blend of historic charm w modern convenience. The main level features high ceilings & 2 versatile bedrooms (one currently an office), a convenient 3pc bathroom, & laundry rm featuring brand new appliances. The heart of this level is the lovingly updated kitchen w sleek quartz countertops, gas stove, & in-floor heating. Entertain effortlessly in the adjacent dining room, or unwind in the inviting living room. Upstairs, discover 3 additional bedrooms, including the primary bedroom complete w ensuite privilege & 2 generously sized closets. Pamper yourself in the indulgence of a 4pc bathroom featuring a charming clawfoot tub, perfect for unwinding after a long day. Descend into the finished basement, where wellness and relaxation await. Enjoy a great workout anytime in the gym equipped with mats or indulge in the ultimate relaxation experience in the sauna. With a convenient walk-up access and the potential to add another bathroom, this space offers amazing possibilities to tailor the space to your lifestyle. Enjoy peace of mind w recent updates, including a new sump pump installed in May 2024, a commercial-grade high-end boiler, Heat/AC pump, & ESA inspected electrical & updated plumbing systems. Step outside to discover your own private paradise. Three decks including a spacious back deck featuring a luxurious hot tub & gazebo w a gas fired table, ideal for alfresco dining or starlit soaks. Plus, store all your outdoor essentials in the new insulated shed, offering ample storage space for tools & toys alike. Located in the picturesque village of Priceville & just a short 10-min. drive to Flesherton or Durham, you'll have easy access to town amenities. Explore the beauty of Grey Highlands & indulge in recreational activities, from fishing and hiking to golfing & skiing. (id:22681)

5 Bedroom 2 Bathroom 2663 sqft

Century 21 In-Studio Realty Inc.

For sale Open House
$524,900
68 TOWER Road, chesley, Ontario

68 Tower Road

Chesley, Ontario

If you are looking for a newer quality built, efficient home, look no further. Immaculate bungalow in desirable Chesley neighborhood. Main level features updated windows and doors, hardwood flooring/solid oak trim and doors, spacious living room, bright eat-in kitchen with all appliances included & patio doors leading to new entertaining two-tiered deck. Main level offers 3 good sized bedrooms, and recently updated full bathroom. Convenient main floor laundry. Lower level is unfinished and offers so much potential for additional living space and roughed in plumbing for second bathroom. Additional features include Natural Gas Tankless Water Heather (2022), KasselWood Steel Roof with 50 year warranty (2009), Central Electric Air to Air Heat Pump/AC and furnace (2014). Heat and Hydro for 2023 year was approximately $1600. The exterior landscaping and double wide concrete driveway are a bonus. Book your showing today. (id:22681)

3 Bedroom 1 Bathroom 1254 sqft

RE/MAX Grey Bruce Realty Inc Brokerage (Chesley)

For sale
$1,449,067
494164 GREY ROAD 2, feversham, Ontario

494164 Grey Road 2

Feversham, Ontario

This stunning contemporary beauty is perfectly located for anyone who loves the attractions and amenities of Southern Georgian Bay: 9min to Kolapore Uplands, 15 min to BVSC, 15 mins to Bruce Trail, 17 mins to Devil’s Glen, 20 mins to Old Baldy, Highland Glen, Osler Bluff & Georgian Bay Club, approx 20 mins to Thornbury & Collingwood. Extensively renovated in a modern style with soaring ceilings, eye-catching chandeliers & an attractive 3-sided fireplace, this elegant home sits on a rural 3 acre lot just outside of the village of Feversham and minutes from popular Lake Eugenia. The custom kitchen features up-market appliances and high-end materials, large central island, generous pantry & sunny breakfast nook. A spacious primary suite features vaulted ceiling, skylights, his & hers walk-in closet and 4pc ensuite. Two other bedrooms also have walk-in closets, all bathrooms had custom updates including in-floor heat and Bluetooth climate controls. Walk-outs to both front and back yards and tons of natural light make the most of the country setting. Beautifully finished and turn-key (all furnishings negotiable), this gorgeous home is ready and waiting for your family and is the perfect home base for your Southern Georgian Bay adventures just 90 mins from K-W, Guelph, Barrie and under 2hrs from the GTA. (id:22681)

3 Bedroom 3 Bathroom 2900 sqft

Forest Hill Real Estate Inc. Brokerage

For sale
$699,900
616 25TH Avenue, hanover, Ontario

616 25th Avenue

Hanover, Ontario

The one you've been waiting for! Semi-detached bungalow with walkout basement. Main level living with open concept kitchen/living space, dining room, 2 beds and 2 baths and main floor laundry. Walkout from your living space to the covered upper deck offering views of the trees. Bright lower level is finished with 2 more bedrooms, full bath, and large family room with gas fireplace and walkout to your beautiful back yard. Home is located in a great new subdivision of Hanover close to many amenities. Call today! (id:22681)

4 Bedroom 3 Bathroom 2546 sqft

Keller Williams Realty Centres

For sale
$239,900
316 KEADY PARK Lane, keady, Ontario

316 Keady Park Lane

Keady, Ontario

Newly Built in 2019, this 2 bedroom 1 bathroom mobile home is well built with open concept kitchen, dining room and living room. The main bedroom is conveniently located at the back for privacy and comfort with lots of closet space. The large bathroom is situated between the 2 bedrooms with the laundry right down the hall. This home is a must see for those seeking community living in rural setting. Only a short walk to the famous Keady Market and a short drive to Owen Sound. Don't miss the opportunity to make this modular home yours. Contact your REALTOR® today to schedule a viewing and experience the comfort and convenience this property has to offer. (id:22681)

2 Bedroom 1 Bathroom 771 sqft

RE/MAX Grey Bruce Realty Inc Brokerage (Os)

For sale
$1,490,000
579 CAPE HURD Road, tobermory, Ontario

579 Cape Hurd Road

Tobermory, Ontario

91 acres of serene and quiet privacy on the shore of Lake Huron with no neighbours anywhere in site. Offers great investment potential for licensed STA rentals or a bed and breakfast. Tucked far back in the woods is a beautiful hand crafted log home with over 2000 sq ft of living space. 3 spacious bedrooms offer plenty of space for a family or visitors. Two updated bathrooms have granite top vanities and ceramic backsplash. One has a large shower and the other a large refinished antique soaking tub. Updated porcelain floors complete these beautiful baths. Enter through the back door after tending the garden into a spacious mudroom with plenty of space for boots shoes and all your winter gear. The large laundry room has washer, dryer laundry tub and extra chest freezer. Access to a huge 13' x 5' walk in pantry. Open concept kitchen and dining area has new porcelain flooring, new granite on counters and island and includes all appliances. Tons of storage in the hand made pine cabinets. Elmira wood stove is WETT certified as is the wood burning stone fireplace with new insert in the living room. All flooring throughout is pine and porcelain. Patio doors lead to the back deck with water views. Oversize double garage and multiple outbuildings offer unlimited possibilities. Walk the path to the shore line for stunning views and enjoy a campfire under the stars. Land currently registered with the Conservation Land Tax Incentive Program, ask for details. An exceptional property for Buyers with discerning taste, there is no other place on the Peninsula that compares. Appointments must be booked ahead of time. Please don't enter the driveway without your agent and appointment. Owners live here year round and watch dogs on site when no appointments are booked. If you want complete privacy, waterfront, acres of natural forest, a stream and multiple trails to hike, and always dreamed of living in a log home, then this is the one. (id:22681)

3 Bedroom 2 Bathroom 2000 sqft

Shanahan Realty Inc.

For sale Open House
$875,000
245 MELROSE Avenue, kitchener, Ontario

245 Melrose Avenue

Kitchener, Ontario

This REMARKABLE property is centrally located near Kitchener Auditorium, Downtown Kitchener, Schools, Stanley Park, Churches, Public Transit and much more! Focus attention on the beautiful FENCED in yard, 20'x 24' deck with hot tub and 10 ft. OUTDOOR kitchen! Main floor features a fully remodeled Kitchen with all new Appliances, ample counter space and sitting area for guests. A main floor bedroom, a bright living room and 4 pc bathroom. 2 additional bedrooms, and another 2 pc bath on Upper Level. Basement highlights an incredible rec room, bar, guest room, plus stackable washer/dryer. The 20' x 16' heated GARAGE includes an airtight wood stove. It is a MUST see! (id:22681)

4 Bedroom 2 Bathroom 903.05 sqft

Century 21 Heritage House Ltd.

For sale
$434,900
72 HURON Street, ripley, Ontario

72 Huron Street

Ripley, Ontario

Landmark Century home in the heart of downtown Ripley. This 3 bedroom, 2 bathroom home offers 2000 sq. ft. of living space, a large eat-in kitchen, hardwood floors, and a back deck overlooking the nicely landscaped backyard. This home has great curb appeal with a beautiful covered front porch and a fully stoned exterior facade. Some other great features of this home are a new natural gas furnace, a fully fenced large grassed dog kennel and a double car detached garage. The home has received much upgraded insulation over the recent years in the walls and attic for added energy efficiency. Call to schedule your personal showing today! (id:22681)

3 Bedroom 2 Bathroom 2000 sqft

RE/MAX Land Exchange Ltd Brokerage (Kincardine)

For sale
$495,900
1342 8TH Avenue W, owen sound, Ontario

1342 8th Avenue W

Owen Sound, Ontario

Discover this delightful 3-bedroom, 2 full bath brick bungalow nestled on a picturesque ravine lot in a quiet cul-de-sac on the west side of Owen Sound. The open-concept kitchen/dining features beautiful hardwood floors and a seamless flow, with a patio door leading from the dining room to a large deck. Large living room with lots of light from front window. Backyard has multiple storage sheds, very private and backing onto a treed ravine. Additional highlights include a carport and paved driveway with lots of parking. The basement has kitchenette, 3 pc bath. a huge rec room, office space and extra storage. Laundry room could easily accommodate a workshop area. This home combines comfort, functionality, and a low-maintenance, economical lifestyle in a desirable setting. (id:22681)

3 Bedroom 2 Bathroom 1349.99 sqft

Exp 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.

Explore Grey & Bruce Communities

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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%.