Full brick construction. Two stories. Full basement. 1,302 square feet. In Decatur, Illinois for $3,000 down and $799/month — with taxes and insurance already included in that payment.

1908 N Union St is a 2-bedroom, 1-bath home in the 62526 zip code, owner financed at $79,000. The numbers are straightforward, but the property itself punches above its price point. Full brick construction means durability and low exterior maintenance — no siding to rot, no wood to repaint. Two stories gives you a defined layout with real separation between living and sleeping spaces. And the full basement adds a significant amount of usable square footage that doesn't show up in the 1,302 figure.

For a 2-bedroom home, this offers more functional space than most buyers expect at this price. Whether you're using the basement for storage, a workspace, or future finished living area, it dramatically changes what this home can do for you.

Decatur sits at the center of Illinois, with Millikin University, Decatur Memorial Hospital, and a stable base of local employers providing the economic foundation for the city. The 62526 zip is on the north side of Decatur with access to major corridors and city amenities.

$799/month covers everything — principal, interest, taxes, and insurance. $3,000 gets you in. No bank required.

Owner financing available — no traditional bank required.