// How it works
The Simple, No-Waiting, Affordable, And Permissible Way To Home Ownership.
Homeleta offers an affordable, simple path to homeownership with just a 5% down payment. We cover an additional 5%-15%, up to $375,000. You partner with us, share ownership, and make monthly payments. Over time, you can buy out our share and become the sole owner within 15 years.
// Step 1: Start with Just 5%
Get started with a 5% down payment. Homeleta adds 5%–15% (up to $300,000) to boost your buying power.
Check your eligibility and Get started today!
Get started with a 5% down payment. Homeleta adds 5%–15% (up to $300,000) to boost your buying power.
Check your eligibility and
// Step 2: Find & Finance Your Home
If you’re a good fit for Homeleta, our team will invite you to a call to discuss our requirements. We’ll connect you with a partner real estate brokerage, or work with your current one, to guide you through the process. You’ll also determine the fair rental price, your monthly payment to Homeleta, and be responsible for property taxes and insurance, which Homeleta will reimburse based on its ownership share.
// Step 3: Own & Grow
You and Homeleta will sign a Partnership Agreement to purchase the property and determine your respective ownership shares. Your down payment and Homeleta’s combined contribution form the down payment and financing. The downpayments portion determine the equity percentage, which influences how property appreciation is shared when you sell, refinance, or buy out Homeleta. There are no monthly interest payments. For example, if you contribute 40% and Homeleta contributes 60% to the down payment, you’ll have a 40% stake in the home’s equity until you buy out Homeleta. See the math.
Monthly Payments & Ownership Progression
Build Ownership, One Payment at a Time—Your Path to Sole Ownership with Homeleta
Partner with Homeleta to make monthly payments covering rent, financing principal, and property taxes/insurance. You can buy out Homeleta’s share anytime within 15 years, working toward sole ownership. Upon sale, refinance, or payout, your principal payments are prioritized. Homeleta profits only if the property appreciates in value.
Acquiring Homeleta’s Share
Own Your Home, On Your Terms—Partner with Homeleta
You can buy out Homeleta’s share in the property at any time within the 15-year investment period by increasing your monthly payments, as outlined at closing. Over time, this allows you to become the sole owner of the property. Homeleta remains a silent partner—while we may not be in constant contact, we’re always here to support your homeownership needs whenever you need us.
Monthly Payments
Own Your Home, One Payment at a Time
You will be responsible for making the agreed monthly payment to Homeleta, which includes rent, principal repayment on the property financing, and your share of property tax and insurance.
Sole Ownership Is Our Shared Goal
Our goal aligns with yours—to help you become the sole owner of your property over time.
Homeleta can partner with you for up to 15 years, but you’re free to sell the home or make an offer to buy out our share at any time by paying the fair market value for our portion.
When the property is sold, refinanced, or paid out with other funds, your portion of the principal payments will be set aside for you first from the proceeds, before we split the remaining balance. This ensures that the money you've contributed toward financing the property is protected, even if the property doesn’t appreciate in value.
After all adjustments are made, the remaining proceeds will be divided according to the ownership shares. You keep your principal payments, plus the appreciated value of your original down payment, while Homeleta receives the appreciated value of its contribution. Homeleta only profits if the property appreciates in value.