Welcome to 10 Cedar St in Pana, Illinois — a charming 2-bedroom, 1-bathroom home offering 1,024 square feet of comfortable living space in a quiet, small-town setting. Priced at $83,500 with just $2,500 down and a monthly payment of $885, this property is an excellent opportunity for buyers who want the stability of homeownership without the hurdles of traditional bank financing. Pana is a tight-knit community in Christian County, centrally located in Illinois with easy access to both Springfield and Decatur — making it a solid choice for buyers who work in the region but prefer the slower pace and lower cost of living that small-town Illinois offers. The area is known for its friendly neighborhoods, local schools, and an affordable cost of living that's hard to beat in today's market. One of the standout features of this listing is the all-inclusive monthly payment — your $885/month covers principal, interest, taxes, and insurance (PITI), so there are no surprise costs layered on top of your mortgage payment. What you see is truly what you pay each month, making budgeting straightforward and stress-free. At just over 1,000 square feet, this 2-bed, 1-bath layout is ideal for singles, couples, or small families looking to stop renting and start building equity. With a modest down payment of only $2,500 to get started, the barrier to entry here is genuinely low — and the path to ownership is clear. Owner financing means no traditional bank approval process standing between you and the keys. If you've been searching for an affordable home in central Illinois with transparent terms and a payment you can plan around, 10 Cedar St deserves a serious look. ---