Yes, we require an initial deposit of 2f0% upon signing the contract. We can work with you on the payment of the deposit — usually the final breakdown of the 20% being before we put a shovel in the ground. This is the only payment we require until the closing date. We finance the remaining 80% of the cost of the home and also the extras. On the day of closing, you can decide to roll your extras into your mortgage or pay for them via certified check. Please note: if financed, all homes will require an appraisal to which will determine whether or not the extras can be rolled into your mortgage or paid in full prior to closing