When you enter an Equity Sharing Agreement, everything starts with your home’s value.
There are two terms you’ll see throughout the agreement: Original Agreed Value (OAV) and Ending Agreed Value (EAV). They form the foundation of how the partnership works.
Original Agreed Value (OAV)
We begin with an independent appraisal of your home.
To account for normal appraisal uncertainty — and to avoid requiring multiple appraisals — Unison applies a 5.0% risk adjustment to the appraised value.
The formula looks like this:
Original Agreed Value (OAV) = Appraised Value – 5.0%
If your home appraises at $500,000, your OAV would be $475,000.
That number becomes the starting benchmark for measuring future change in value.
Ending Agreed Value (EAV)
When the agreement ends — whether at year 30, when you sell, or through a buyout — your home’s value at that time becomes the Ending Agreed Value (EAV).
This is determined by the final sales price or a professional appraisal.
The difference between EAV and OAV is the “change in value” that Unison shares in.
Costs and Fees
There are no monthly interest charges. However, there are standard setup costs:
Disclaimer
This content is sponsored by Unison Agreement Corp. and is provided for informational and educational purposes only. It does not constitute financial, legal, tax, investment, or lending advice, nor is it a solicitation or offer.
The Unison Equity Sharing Agreement is not a traditional loan. It involves no monthly payments to Unison and no interest charges. In return, Unison shares in a portion of any future change (up or down) in your home’s value when the agreement ends (upon sale, refinance, buyout, or maturity). A Memorandum of Agreement and lien interest is recorded against your property, which may affect future refinancing or transactions. An origination fee and standard third-party closing costs apply.
Availability is limited to participating states only and is subject to eligibility requirements, credit review, income verification, and underwriting approval. Terms, fees, and conditions are subject to change. Home values can rise or fall, and there is no guarantee of any specific financial outcome. Tax consequences may apply.
Unison Agreement Corp. does not provide financial, tax, or legal advice. You should carefully review the full Equity Sharing Agreement documents and consult with your own qualified financial advisor, attorney, and tax professional to determine whether this product is appropriate for your individual situation.
For complete terms, current state availability, fees, risks, and eligibility, please visit https://www.unison.com or contact a Unison representative directly.