How it works for a HomeBuyer

Whether you're buying a starter home or a forever home, we help you buy what you really want. In return, we share in your home's value when you decide to sell.

Why HomeBuyer?

A co-investment, not a loan

When you buy a home, we go in on the down payment with you. You pay as little as 5% and we cover the rest. Unlike a loan, there’s no added debt interest or monthly payments.

Which homes do you co-invest in?

The best home for your future

We focus on homes that look like good long-term investments. A home that is likely to appreciate helps both of us feel confident about the future.

How does Unison make money?

We share in the ups (and downs)

After three years, if your home value increases, we both profit. If it decreases, we share in the loss. That’s true partnership.

Here are the numbers when you

See how a partnership with Unison can help you get to 20%.

Home value
Your down payment

A standard Unison home co-investment can be between 5 and 20% of your home’s value.

Without Unison With Unison

Total Down Payment

-

-

You pay

-

-

Unison pays

-

- (10% of the home value)

Total Monthly Payment

-

-

Mortgage

Based on a 30 year amortization mortgage.

-

-

PMI 0.55%

Primary mortgage insurance (or PMI for short) is an additional monthly payment often required when a home is purchased with less than a 20% down payment. This is designed to help cover the lender in case buyers default on their mortgage. In this scenario we are assuming a PMI rate of 0.55% of the mortgage balance which is indicative of what you might expect to pay. Actual rates may vary. Please contact a loan officer for a firm rate.

-

-

Estimated home price
Unison's contribution

Amount Unison contributed to the down payment

Unison contributed between 5 and 15% of your standard 20% down payment.

Unison’s share of the change in value

The larger Unison’s investment, the larger our percentage share will be when your home is sold. The smaller our investment, the smaller our percentage share.

40%

$850,000

+

$100,000

+

$40,000

$115,000

Payment to Unison if home value increases.

If your home’s value increases, Unison shares in the increase upon the home’s sale—we’ll get back more than we originally invested, and we’ll both earn a profit.

$735,000

$750,000

$0

$0

$75,000

Payment to Unison if home value did not change.

If your home’s value remains the same, Unison gets only our initial investment back and nothing more.

$675,000

$650,000

-

$100,000

-

$40,000

$35,000

Payment to Unison if your home’s value decreases.

If your home’s value decreases, Unison shares in the decrease upon the home’s sale—getting back less than we originally invested and taking a loss. As co-investors, we only win when you do.

$675,000

See if your home qualifies for HomeBuyer

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4 simple steps
to buy a home.

Still have questions?

Founded in 2004, Unison has an A+ rating with the Better Business Bureau and we’ve been featured in The New York Times, Forbes, Bloomberg and other publications. To date, we have helped people from California to Massachusetts as we continue to change the way people buy and own homes. Check out a few of our testimonials to learn more.


It’s important to us that our customers make the best decision for them and their family, so we are committed to answering any and all questions throughout this process.

When you sell your home or buy us out, you’ll need to pay us back an amount equivalent to our original investment plus or minus our share of your home’s change in value. When you sell your home, Unison wins or takes a loss with your investment. The more your home appreciates, the more we both win. If you sell your home at a loss, then Unison shares in that loss with you.


If you buy us out, we use an independent third-party appraisal to determine the fair market value of your property at the time.

We believe that if you make improvements to your home that changes its value, you should get all the benefits. That’s why we use a tool called a Remodeling Adjustment


To use the Remodeling Adjustment, you need to work with licensed contractors and fully document the project. We than use an independent appraiser to determine how the work changed the value of your home, making sure you receive full benefits. Because not all improvements add value whenever you are thinking about a project it is always a good first step to reach out to our team.It’s important to note that the Remodeling Adjustment doesn’t apply to work done in the first three years of the agreement.

You own the home! You control the property and receive the benefits of home ownership, such as occupancy rights and income tax deductions.


Unison is not an owner and has no rights of occupancy. We only share a portion of the future change in value of the home, as an investor.

You’re free to sell your home at any time. Whenever you choose to sell, you’ll need to notify Unison and send us copies of certain documents related to the sale, such as appraisals, inspections, title reports, etc. When the sale of your home closes, Unison gets paid from escrow. Remember, you don’t pay us, the house does.


Since Unison’s funding is not intended to be short-term financing, we do not share any loss in the value of the home if you sell it within the first three years.

Questions? We're here to help.

We’ve helped people across the country buy a home. Let’s do the same for you.