Bernd knows that more houses tend to get listed on the market for sale in the spring, He also just read that according to the latest data from the Canadian Real Estate Association $($CREA$)$ released in February $2024,$ that the housing market has seen an uptick in activity despite interest rates being at a $22-$year high. Bernd is tired of renting and is ready to move forward with a home purchase. He however has less than $20\%$ of the price of the home, which means that he will have to $\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_.$