Pick your state and see which home equity investment company costs the least there, with the real dollar math.
Enter your numbers and see which company costs you the least.
Choose your state to see your results.
Estimates from each company’s published terms. Your offer is the real number.
The numbers side by side
| Company | Upfront fee | 5-year total | 10-year total | Next step |
|---|---|---|---|---|
 Read review | 4.5% ($2,250) | $102,624 | $135,472 | Check my estimate |
 Read review | 3.9% ($1,950) | $105,281 | $157,999 | Check my estimate |
 Read review | 4.9% ($2,450) | $114,990 | $139,373 | Check my estimate |
 Read review | 4.99% ($2,495) | About $124,160* | About $150,519* | Check my estimate |
 Read review | Up to 4.9% ($2,000 minimum) | Not published | Not published | Check my estimate |
Totals are the upfront fee plus what you would settle for, on a $500,000 home, $50,000 in cash and 4% yearly growth in value. *Splitero sets your share when it makes your offer; its own example uses a 20% share for 10% cash, which is what we used. This table is the default example; the calculator above uses your numbers. These are estimates from published terms, not offers.
What to know before you pick
- The fee is the small part. The upfront fee runs about $1,950 to $2,495 on $50,000. The share of your home’s value you settle for later is where most of the cost sits.
- How long you stay changes the winner. Unison is the cheapest if you sell or settle within about 3 years ($86,923), but it has no ongoing cap, so by year 10 it is the most expensive of the four with published numbers ($157,999).
- Caps limit how fast the amount could grow. Splitero 17.99% a year, Hometap 18.5% a year (could vary by state), Nada 19.99% a year. Unison has no ongoing cap and Point does not publish one.
- Your offer is the real number. Ask each company what you would settle for in year 3, year 5 and year 10, and get your share and cap in writing before you sign.
Questions people ask
It depends on your state and credit score. On a $500,000 home with $50,000 in cash and 4% yearly growth, Hometap had the lowest 5-year total of the five at $102,624, followed by Unison at $105,281 and Nada at $114,990. Hometap is only available for a home located in an eligible state, among other qualifying criteria. Use the calculator above to see which companies serve your state and what each would cost with your own numbers.
Each total is the upfront fee plus the amount you would settle for after the stated number of years, using each company’s own published terms and the same example: a $500,000 home, $50,000 in cash and 4% yearly growth in value. Splitero sets your share when it makes your offer, and its own example uses a 20% share for 10% cash, which is what we used. Point does not publish its share or cap rate, so it is listed last, and its own calculator gives a personal estimate. Your own offer will differ.
No. None of the five asks for monthly payments. You settle the investment later, usually when you sell the home, refinance or reach the end of the term. That is also why the long-run cost matters more than the upfront fee.
Some states have none of these five companies. In that case a HELOC could be the better route, since it works differently and is offered by traditional lenders. HEI vs HELOC shows how the two compare on cost and who qualifies.
Take the next step.
Start with your own numbers, then compare the companies.
Estimate your tappable equity before you compare companies.
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Some companies on this page pay Smarts when you click or apply. That can affect which companies appear and where. It never changes our ratings.
Terms, pricing and availability change. Confirm the current terms on each company’s site before you apply.
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