Gain more buying power and a lower monthly payment with habi. Here’s how:

When you buy
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Monthly savings
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Savings over time
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When you sell
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Habi Contributes to Your Down Payment

Habi invests between 5 and 15% of your new home’s value to help you reach
a 20% down payment.

Lower Monthly Mortgage Payments

With a 20% down payment you get a lower monthly mortgage payment and
avoid paying private mortgage insurance (PMI).

Increase Buying Power

You’ll also have more buying power to purchase a home that meets your
needs now instead of settling—or even delaying home-buying.

The trade-off with Habi

As a co-investor Habi claims a percentage of the appreciated (and depreciated) value of your home, sharing both gains and losses.

When you buy…

Habi helps you reach a 20% down payment.

For a $400,000 home, you contribute $20,000 and Habi contributes $60,000 for the $80,000 down payment.

Habi down payment contribution

Your down payment contribution

How we got the numbers
Assumes Habi contributes 15% of the home’s value to be used as a down payment with the home owner contributing 5%. Assumes the remaining 80% is financed by the mortgage.

Your Monthly savings…

Monthly Payment with Habi
PMI $0
P & I $1,669
Total $1,669
Monthly Payment without Habi
PMI $247
P & I $1,982
Total $2,229

You Save $560/month.

with Habi _ $1,669/mo
without Habi _ $2,229/mo
How we got the numbers
Based on $400K home purchase. Assumes 30-year loan term, 5% down without Habi, 20% down with Habi, 4.75% interest rate, and annual PMI of 0.78% of the loan origination amount.

Savings over time

If Habi contributed 5% of the down payment.
If Habi contributed 10% of the down payment.
If Habi contributed 15% of the down payment.
If Habi contributed 5% of the down payment.
If Habi contributed 10% of the down payment.
If Habi contributed 15% of the down payment.
How we got the numbers
Based on $400K home purchase. Assumes 30-year loan term, 4.75% interest rate on the mortgage, and annual PMI of 0.78% of the loan origination amount. Savings reflect the amounts Habi anticipated a consumer would save in monthly payments if Habi is used to bring in 5%, 10%, and 15% with the consumer bringing in the remaining amount to reach a 20% down payment

When you sell…

Here’s how it works:

You purchase a home for
$400,000

When you sell your home

You sell the home five years later for
$500,000

That’s $100,000 increase in value.

When you sell, Habi receives our initial down payment, plus a percentage of that increase. You keep the rest of the increase (plus your down payment contribution and all equity you built by paying down your mortgage).

Habi

You

If Habi contributed 5% of the down payment.

If Habi contributed 10% of the down payment.

If Habi contributed 15% of the down payment.

Here’s what that example equals in dollars.

You sell the home for $100,000 more than you bought it for. Habi receives our initial down payment, plus a percentage of that increase. You keep the rest of the increase (plus your down payment contribution and all equity you built by paying down your mortgage).

Habi

You

If Habi contributed 5% of the down payment.

If Habi contributed 10% of the down payment.

If Habi contributed 15% of the down payment.

How we got the numbers
Depending on the amount Habi Invests at the time of purchase, Habi will receive between 17.5% and 52.5% of the home’s appreciation. This is calculated by taking the percent Habi contributes at the time of investment and multiplying it by 3.5x (for example if Habi contributes 10% of the home to be used as a down payment, Habi would receive 35% of the home’s price appreciation plus its original investment back (10% down multiplied by 3.5 = 35% of price movement).
As a co-investor, we share in gains and losses together.

If you sell your home and it has lost value, we will share in that loss with you. As your partner, Habi will receive less than the initial down payment contribution we gave you.

Whether buying a home or unlocking home equity, we help you get there.