Co-own your dream home.
Buy your hut with co-investors, then buy their shares over time, whenever you are ready, until it is 100% yours.
Which describes you?
- I want to buy a homeOwn it over time
- I want to investShare in appreciation
- I’m an agentList a property
Our mission is simple: home affordability for all.
Three steps from renting to owning.
Bob and Anna rented for ten years. They have good credit and always paid on time. What they lacked was a down payment.
- 1
Co-buy the home
Bob’s family brings a mortgage and a down payment. Co-investors, local and international, fund the rest. Everyone owns a percentage of the home.
- 2
Move in and live
The family lives in the home. They pay the mortgage, property tax, insurance and repairs. They pay no rent or fee to the investors.
- 3
Buy out equity over time
Any time, with no minimums and no penalties, the family can buy blocks of the investors’ shares, priced from the appraised value, until they own 100%.
Climb the equity ladder.
Start with Bob and Anna’s $500,000 home: 52% theirs, 24% for each of two investors. Change the appraised value, then ask for shares or list some for sale.
Appraised value
Every share is priced as its percentage of this value.
Bob wants to buy more of the home
An investor wants to sell some of their share
Who owns the home now
- Bob & Anna 52%
- Investor A 24%
- Investor B 24%
- Bob & Anna · 52%Value now$260,000
- Investor A · 24%Value now$120,000Realized gain+$0Unrealized+$0
- Investor B · 24%Value now$120,000Realized gain+$0Unrealized+$0
Ownership ledger
- No sales yet. Ask co-owners to sell, or list a share.
Illustrative figures only. Bob and Anna’s 52% is their $10,000 down payment plus the $250,000 mortgage-financed share.
Your hut is waiting.
HutFund is not open yet. Tell us who you are and we will email you before it opens. Joining is an expression of interest, not an application or an offer.