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Cashzilla
Home equity investment

Get cash from your home — without a monthly payment.

A home equity investment lets you turn part of your home's equity into cash today in exchange for a share of its future value. Here's how it works, what it costs, and who it makes sense for.

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  • No obligation
Illustration of a house with keys representing a mortgage

How a home equity investment works

Illustration of cash and coins

Cash now, no monthly payment

An investor gives you a lump sum today in exchange for a share of your home's future value. There's no interest and no monthly bill.

Illustration of a house with keys

You keep living there

You stay the owner and keep paying your mortgage, taxes, and insurance. The investor's share is recorded as a lien on the home.

Illustration of a calculator working out a payoff

Settle within 10–30 years

You repay when you sell, refinance, or reach the end of the term — or buy the investor out early with savings or a new loan.

Illustration of two outcomes compared side by side

Cost depends on your home's value

If your home appreciates, you share that growth, which can make an HEI more expensive than a loan. If it falls, you may owe less.

A simple example

Hypothetical example

Say your home is worth $500,000 and a provider gives you $50,000 (10%) in exchange for 20% of its future value over a 10-year term.

If you sell in 10 years for $600,000, you'd owe the investor 20% of $600,000 — $120,000. If the home is worth $450,000, you'd owe $90,000. Terms vary widely, so ask each provider for a payoff table under different home-price scenarios.

These numbers are illustrative only. Actual amounts, fees, and terms vary by provider.

Pros and cons

Pros

  • No monthly payments or interest
  • More flexible credit and income requirements
  • Use the cash for anything

Cons

  • Can cost more than a loan if your home appreciates
  • Upfront fees
  • A fixed deadline to settle
  • Fewer providers in some states

Top home equity investment providers

Home equity investment FAQs

Cashzilla.ai is not a lender or investor and does not make funding decisions. Comparing providers does not guarantee approval or specific terms. Home equity investment terms, fees, and eligibility are set by providers and vary by state. An HEI places a lien on your home, and the amount you repay depends on your home's future value. Cashzilla.ai may receive compensation from partners. This page is general information, not financial advice.