How Our Down Payment Program Works
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The Process
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1
process-1

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.)

2
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You need a $100,000 down payment

But that seems nearly impossible!

3
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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 essential professionals.

4
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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.

5
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Your dream home becomes your real home

You pay the costs of ownership but don’t make any monthly payments to Landed.

Some time passes, while you live happily in your home
6
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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.

7a
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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
7b
process-7b

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

Who is eligible for Landed's down payment program?

Currently, Landed works with specific employer partners in California, Colorado, Hawaiʻi, Massachusetts, Oregon, Washington, the District of Columbia, and elsewhere across the U.S.

We are in the process of expanding to other regions across the country; you are welcome to sign up or reach out even if your city is not yet eligible.

Read more →

Is the down payment program the only thing you offer?

Landed offers more than our down payment program.

  • We provide a personalized team that includes a partner agent and a Landed homebuying expert.
  • We support you with free homebuying education and guidance.
  • We provide competitive property reviews to help your home offer stand out.
  • We help you navigate all of your options for buying a home – including our own shared equity down payment program, which helps you get to a 20% down payment without any income restrictions.

The homebuying journey starts long before you’re financially ready to buy a home. No matter where you are on that journey, we will work with you to find a path forward.

Get Started!

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