See Also: Unison HomeBuyer – How It Works
How It Works
Unison HomeOwner
The Unison HomeOwner program is a true partnership. We pay you up to 20% of your home’s value. It’s not a gift, we’re making a homeownership investment in your home. In return, we receive a share of any appreciation or depreciation in your home’s price at the time it is sold. This is not a loan, so we don’t charge interest, and we don’t receive monthly payments. Instead, we hope to earn a profit when you sell your home — up to 30 years later. You can also buy us out after 3 years.
The easiest way to understand Unison HomeOwner is through an example.
Input your current home value and then adjust the slider.
We’ll show you how a Unison HomeOwner deal could resolve in three scenarios.
 $500k Home Value $50K Investment
 $500k Home Value $75k Investment
 New Home  $500k Value $50k Investment
Current Home Value: $500,000  Unison Investment: $50,000 
Mortgage Amount: $250,000  Unison Share of Change in Value: 40% 
Lived in Home for longer than a year  Sell Home in Year 10 
STARTING PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO 


Home has gained value

STARTING PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000
If you sell that home in the future for $600,000, there is

UNISON SHARE OF CHANGE IN VALUE
+$40,000
35% of that $100,000 increase is $35,000, and that is our return on investment.

PAYMENT TO $90,000 $50,000 invested plus $40,000 profit 
Home has lost value

STARTING PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000
If you sell that home in the future for $400,000, there is a decrease in value of $100,000.

UNISON SHARE OF CHANGE IN VALUE
$40,000
35% of that $100,000 decrease is negative $35,000, and that is our loss on investment.

PAYMENT TO $10,000 $50,000 invested minus $40,000 loss 
Home value has stayed the same

STARTING PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
$0
If you sell that home in the future for $500,000, the value has not changed.

UNISON SHARE OF CHANGE IN VALUE
$0
There is no gain or loss for Unison to share

PAYMENT TO $50,000 No profit 
Our return on investment comes only from a share of the change in value of the home. All home equity you create by paying down your mortgage belongs to you. The table below demonstrates this.
STARTING PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON 
PAYMENT TO LENDERsee footnote 3 
GROSS SALE PROCEEDS TO YOUsee footnote 4



Home has gained value 
STARTING PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000
If you sell that home in the future for $600,000, there is an increase in value of $100,000.

UNISON SHARE OF CHANGE IN VALUE
+$40,000
35% of that $100,000 increase is $35,000, and that is our return on investment.

PAYMENT TO UNISON $90,000 $50,000 invested plus $40,000 profit 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$330,000
If you sell the home for $600,000, after paying the mortgage lender $315,000 and paying Unison $85,000, you will receive gross proceeds of $200,000.

Home has lost value 
STARTING PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000
If you sell that home in the future for $400,000, there is a decrease in value of $100,000.

UNISON SHARE OF CHANGE IN VALUE
$40,000
35% of that $100,000 decrease is negative $35,000, and that is our loss on investment.

PAYMENT TO UNISON $10,000 $50,000 invested minus $40,000 loss 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$210,000
If you sell the home for $400,000, after paying the mortgage lender $315,000 and paying Unison $15,000, you will receive gross proceeds of $70,000.

Home value has stayed the same 
STARTING PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
$0
If you sell that home in the future for $500,000, the value has not changed.

UNISON SHARE OF CHANGE IN VALUE
$0
There is no gain or loss for Unison to share

PAYMENT TO UNISON $50,000 No profit 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$270,000
If you sell the home for $500,000, after paying the mortgage lender $315,000 and paying Unison $50,000, you will receive gross proceeds of $135,000.

Purchase Price: $500,000  Unison Investment: $75,000 
Mortgage Amount: $250,000  Unison Share of Change in Value: 60% 
Lived in Home for longer than a year  Sell Home in Year 10 
STARTING PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON 


Home has gained value 
STARTING PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000

UNISON SHARE OF CHANGE IN VALUE
+$60,000

PAYMENT TO UNISON $135,000 $75,000 invested plus $60,000 profit 
Home has lost value 
STARTING PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000

UNISON SHARE OF CHANGE IN VALUE
$60,000

PAYMENT TO UNISON $15,000 $75,000 invested minus $60,000 loss 
Home value has stayed the same 
STARTING PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
$0

UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON $75,000 No profit 
Our return on investment comes only from a share of the change in value of the home. All home equity you create by paying down your mortgage belongs to you. The table below demonstrates this.
STARTING PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON 
PAYMENT TO LENDERsee footnote 3 
GROSS SALE PROCEEDS TO YOUsee footnote 4



Home has gained value 
STARTING PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000
If you sell that home in the future for $1,200,000, there is an increase in value of $200,000.

UNISON SHARE OF CHANGE IN VALUE
+$60,000
35% of that $200,000 increase is $70,000, and that is our return on investment.

PAYMENT TO UNISON $135,000 $75,000 invested plus $60,000 profit 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$285,000
If you sell the home for $1,200,000, after paying the mortgage lender $630,000 and paying Unison $170,000, you will receive gross proceeds of $400,000.

Home has lost value 
STARTING PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000
If you sell that home in the future for $800,000, there is a decrease in value of $200,000.

UNISON SHARE OF CHANGE IN VALUE
$60,000
35% of that $200,000 decrease is negative $70,000, and that is our loss on investment.

PAYMENT TO UNISON $15,000 $75,000 invested minus $60,000 loss 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$205,000
If you sell the home for $800,000, after paying the mortgage lender $630,000 and paying Unison $30,000, you will receive gross proceeds of $140,000.

Home value has stayed the same 
STARTING PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
$0
If you sell that home in the future for $1,000,000, the value has not changed.

UNISON SHARE OF CHANGE IN VALUE
$0
There is no gain or loss for Unison to share

PAYMENT TO UNISON $75,000 No profit 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$240,000
If you sell the home for $1,000,000, after paying the mortgage lender $630,000 and paying Unison $100,000, you will receive gross proceeds of $270,000.

Purchase Price: $500,000  Unison Investment: $50,000 
Mortgage Amount: $250,000  Unison Share of Change in Value: 35% 
Lived in Home for less than a year  Sell Home in Year 10 
PURCHASE PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON 


Home has gained value 
STARTING PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000
If you sell that home in the future for $1,200,000, there is an increase in value of $200,000.

UNISON SHARE OF CHANGE IN VALUE
+$35,000
43.75% of that $200,000 increase is $87,500, and that is our return on investment.

PAYMENT TO UNISON $85,000 $50,000 invested plus $35,000 profit 
Home has lost value 
STARTING PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000
If you sell that home in the future for $800,000, there is a decrease in value of $200,000.

UNISON SHARE OF CHANGE IN VALUE
$35,000
43.75% of that $200,000 decrease is negative $87,500, and that is our loss on investment.

PAYMENT TO UNISON $15,000 $50,000 invested minus $35,000 loss 
Home value has stayed the same 
STARTING PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
No change in value
If you sell that home in the future for $1,000,000, the value has not changed.

UNISON SHARE OF CHANGE IN VALUE
$0
There is no gain or loss for Unison to share

PAYMENT TO UNISON $50,000 No profit 
Our return on investment comes only from a share of the change in value of the home. All home equity you create by paying down your mortgage belongs to you. The table below demonstrates this.
PURCHASE PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON 
PAYMENT TO LENDERsee footnote 3 
GROSS SALE PROCEEDS TO YOUsee footnote 4



Home has gained value 
STARTING PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000
If you sell that home in the future for $1,200,000, there is an increase in value of $200,000.

UNISON SHARE OF CHANGE IN VALUE
+$35,000
43.75% of that $200,000 increase is $87,500, and that is our return on investment.

PAYMENT TO UNISON $85,000 $50,000 invested plus $35,000 profit 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$335,000
If you sell the home for $1,200,000, after paying the mortgage lender $590,000 and paying Unison $212,500, you will receive gross proceeds of $397,500.

Home has lost value 
STARTING PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000
If you sell that home in the future for $800,000, there is a decrease in value of $200,000.

UNISON SHARE OF CHANGE IN VALUE
$35,000
43.75% of that $200,000 decrease is negative $87,500, and that is our loss on investment.

PAYMENT TO UNISON $15,000 $50,000 invested minus $35,000 loss 
PAYMENT TO LENDERsee footnote 3 $180,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$205,000
If you sell the home for $800,000, after paying the mortgage lender $590,000 and paying Unison $37,500, you will receive gross proceeds of $172,500.

Home value has stayed the same 
STARTING PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
No change in value
If you sell that home in the future for $1,000,000, the value has not changed.

UNISON SHARE OF CHANGE IN VALUE
$0
There is no gain or loss for Unison to share

PAYMENT TO UNISON $50,000 No profit 
PAYMENT TO LENDERsee footnote 3 $180,000 
GROSS SALE PROCEEDS TO YOUsee footnote 4
$270,000
If you sell the home for $1,000,000, after paying the mortgage lender $590,000 and paying Unison $125,000, you will receive gross proceeds of $285,000.

The above is a hypothetical example only. It is not an offer or guarantee of any kind. This estimate does not include any fees or other restrictions that may apply. You are urged to carefully review all options with your legal, tax and financial advisors, and family members.