See Also: Unison HomeOwner – How It Works
How It Works
Unison HomeBuyer
The Unison HomeBuyer program is a true partnership. We contribute up to half the down payment by 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.
To learn the basics about Unison HomeBuyer, select the home price and down payment examples below:
Purchase Price: $500,000  Unison Share of Down Payment: $50,000 
Mortgage Amount: $400,000  Unison Share of Change in Value: 35% 
Your Share of Down Payment: $50,000  Sell Home in Year 10 
PURCHASE PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO 


PURCHASE PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000

UNISON SHARE OF CHANGE IN VALUE
+$35,000

PAYMENT TO $85,000 $50,000 invested plus $35,000 profit 

PURCHASE PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000

UNISON SHARE OF CHANGE IN VALUE
$35,000

PAYMENT TO $15,000 $50,000 invested minus $35,000 loss 

PURCHASE PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
$0

UNISON SHARE OF CHANGE IN VALUE
$0

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.

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


PURCHASE PRICE
$500,000

SALE PRICE
$600,000

CHANGE IN VALUE
+$100,000

UNISON SHARE OF CHANGE IN VALUE
+$35,000

PAYMENT TO UNISON $85,000 $50,000 invested plus $35,000 profit

PAYMENT TO LENDERsee footnote 3 $315,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$200,000


PURCHASE PRICE
$500,000

SALE PRICE
$400,000

CHANGE IN VALUE
$100,000

UNISON SHARE OF CHANGE IN VALUE
$35,000

PAYMENT TO UNISON $15,000 $50,000 invested minus $35,000 loss

PAYMENT TO LENDERsee footnote 3 $315,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$70,000


PURCHASE PRICE
$500,000

SALE PRICE
$500,000

CHANGE IN VALUE
$0

UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON $50,000 No profit

PAYMENT TO LENDERsee footnote 3 $315,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$135,000

Purchase Price: $1,000,000  Unison Share of Down Payment: $100,000 
Mortgage Amount: $800,000  Unison Share of Change in Value: 35% 
Your Share of Down Payment: $100,000  Sell Home in Year 10 
PURCHASE PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON



PURCHASE PRICE
$1,000,000

SALE PRICE
$1,200,000

CHANGE IN VALUE
+$200,000

UNISON SHARE OF CHANGE IN VALUE
+$70,000

PAYMENT TO UNISON $170,000 $100,000 invested plus $70,000 profit


PURCHASE PRICE
$1,000,000

SALE PRICE
$800,000

CHANGE IN VALUE
$200,000

UNISON SHARE OF CHANGE IN VALUE
$70,000

PAYMENT TO UNISON $30,000 $100,000 invested minus $70,000 loss


PURCHASE PRICE
$1,000,000

SALE PRICE
$1,000,000

CHANGE IN VALUE
$0

UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON $100,000 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



PURCHASE PRICE
$1,000,000

SALE PRICE
$1,200,000

CHANGE IN VALUE
+$200,000

UNISON SHARE OF CHANGE IN VALUE
+$70,000

PAYMENT TO UNISON $170,000 $100,000 invested plus $70,000 profit

PAYMENT TO LENDERsee footnote 3 $630,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$400,000


PURCHASE PRICE
$1,000,000

SALE PRICE
$800,000

CHANGE IN VALUE
$200,000

UNISON SHARE OF CHANGE IN VALUE
$70,000

PAYMENT TO UNISON $30,000 $100,000 invested minus $70,000 loss

PAYMENT TO LENDERsee footnote 3 $630,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$140,000


PURCHASE PRICE
$1,000,000

SALE PRICE
$1,000,000

CHANGE IN VALUE
$0

UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON $100,000 No profit

PAYMENT TO LENDERsee footnote 3 $630,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$270,000

Purchase Price: $1,000,000  Unison Share of Down Payment: $125,000 
Mortgage Amount: $750,000  Unison Share of Change in Value: 43.75% 
Your Share of Down Payment: $125,000  Sell Home in Year 10 
PURCHASE PRICE

SALE PRICE

CHANGE IN VALUE

UNISON SHARE OF CHANGE IN VALUE

PAYMENT TO UNISON



PURCHASE PRICE
$1,000,000

SALE PRICE
$1,200,000

CHANGE IN VALUE
+$200,000

UNISON SHARE OF CHANGE IN VALUE
+$87,500

PAYMENT TO UNISON $212,500 $125,000 invested plus $87,500 profit


PURCHASE PRICE
$1,000,000

SALE PRICE
$800,000

CHANGE IN VALUE
$200,000

UNISON SHARE OF CHANGE IN VALUE
$87,500

PAYMENT TO UNISON $37,500 $125,000 invested minus $87,500 loss


PURCHASE PRICE
$1,000,000

SALE PRICE
$1,000,000

CHANGE IN VALUE
No change in value

UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON $125,000 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



PURCHASE PRICE
$1,000,000

SALE PRICE
$1,200,000

CHANGE IN VALUE
+$200,000

UNISON SHARE OF CHANGE IN VALUE
+$87,500

PAYMENT TO UNISON $212,500 $125,000 invested plus $87,500 profit

PAYMENT TO LENDERsee footnote 3 $590,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$397,500


PURCHASE PRICE
$1,000,000

SALE PRICE
$800,000

CHANGE IN VALUE
$200,000

UNISON SHARE OF CHANGE IN VALUE
$87,500

PAYMENT TO UNISON $37,500 $125,000 invested minus $87,500 loss

PAYMENT TO LENDERsee footnote 3 $590,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$172,500


PURCHASE PRICE
$1,000,000

SALE PRICE
$1,000,000

CHANGE IN VALUE
No change in value

UNISON SHARE OF CHANGE IN VALUE
$0

PAYMENT TO UNISON $125,000 No profit

PAYMENT TO LENDERsee footnote 3 $590,000

GROSS SALE PROCEEDS TO YOUsee footnote 4
$285,000

Prequalifying will not affect your credit score
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.
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