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
UNISON

Home has gained value

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

Home has lost value
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

Home value has stayed the same
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

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
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


Home has lost value
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


Home value has stayed the same
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

 


Home has gained value
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

 


Home has lost value
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

 


Home value has stayed the same
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

 


Home has gained value
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

 


Home has lost value
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

 


Home value has stayed the same
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

 


Home has gained value
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

 


Home has lost value
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

 


Home value has stayed the same
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

 


Home has gained value
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

 


Home has lost value
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

 


Home value has stayed the same
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

 

Pre-Qualify in Minutes

Pre-qualifying 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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