How does Unison compare to Hometap?
Hometap offers a Home Equity Investment (HEI), while Unison offers an Equity Sharing Agreement (ESA). The most important difference is that Hometap uses a “share of total value” model. At settlement, Hometap receives a percentage of your home's entire ending value.1
Unison's Equity Sharing Agreement is built around sharing only the future change in your home's value, NOT your home's total value. With Unison, the equity you built before the agreement is 100% yours. If your home grows in value during the agreement, we share in that growth. And if it loses value (after the initial restriction period), we share in the downside, too.
Another major difference is that Hometap's term runs for just 10 years. Unison's can last up to 30, making it an entirely different kind of agreement. As both providers allow you to settle early, the longer term gives you a longer timeline to sell your home or settle the agreement when it makes sense for you.
Unison also offers Remodeling Adjustments (also called a Capital Improvement Adjustment). Hometap has a similar program, but their “renovation adjustment” only applies to improvements that add $25,000 or more to your home's value, and smaller projects may not qualify.2
Explore the full comparison to understand the differences between equity sharing with Unison and Hometap.
Note: This comparison is based on publicly available information as of September 14, 2026 and is for informational purposes only. Verify current terms directly with each provider.
1 https://www.hometap.com/blog/how-hometap-pricing-works accessed September 9, 2026
2 https://www.hometap.com/faqs#after_the_investment accessed September 9, 2026