The Process
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Your dream home cost: $500,000
(Home prices may be higher or lower in your area. This example is based on a home in Denver, Colorado.)
You need a $100,000 down payment
But that seems nearly impossible!
You can partner with Landed to get the $50,000 you need today
There are no monthly payments to Landed, and our fund helps more educators.
We help you find your dream home and contribute to the down payment
In this $500,000 home example, you put in $50,000, Landed puts in $50,000, and the bank provides a $400,000 loan.
Your dream home becomes your real home
You pay the costs of ownership but don’t make any monthly payments to Landed.
Landed makes its return on investment when you sell or buy out the investment
For giving you half of your down payment, you'll share 25% of the investment gain or loss with Landed.
If your home goes up in value, both you and Landed win
| Sale Price | $600000 |
|---|---|
| Gain | +$100000 |
| Landed’s share of gain | +$25000 |
| Landed’s down payment | $50000 |
| Landed Keeps | $75000 |
| Your share of gain | +$75000 |
| Your down payment | $50000 |
| Mortgage principal paid down | $85000 |
| You Keep | $210000 |
If your home goes down in value, both you and Landed lose
| Sale Price | $400000 |
|---|---|
| Loss | -$100000 |
| Landed’s share of loss | -$25000 |
| Landed’s down payment | $50000 |
| Landed Keeps | $25000 |
| Your share of loss | -$75000 |
| Your down payment | $50000 |
| Mortgage principal paid down | $85000 |
| You Keep | $60000 |
These are estimates only. Contact us for more information.
“Mortgage principal paid down” is based on staying in your home for 10 years. You can learn more about your mortgage here.
Frequently Asked Questions
Where is Landed currently available?
Landed is currently available to employees of specific public K-12 school districts, colleges, and universities in expensive areas of California, Colorado, Washington, and Hawaii. You can view the list of counties here.
If that's you, please reach out to us here or email us at customer@landed.com!
We are in the process of expanding to other cities across the United States, so you are welcome to sign up even if your city is not eligible yet. :)
Is the down payment program the only thing you offer?
Landed offers more than our down payment program. We're committed to supporting the educators we serve. So even if you're not ready to buy a home, we would love to speak with you. You can set up a time to chat with us after signing up here.
We also provide:
- A Homebuyer Team, including our Landed Agent Network
- Financial Coaching
- Homebuying Education
Ready to learn more?
