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Summary
At closing
You pay $25,000 which is 5% of the purchase price. This is your Value Share. When you leave, you get it back +/- your share of the home's appreciation.
Acre Saver
10% Appreciation
Acre Boost
50% Appreciation
Mortgage
Total monthly payment
Includes taxes and insurance.
Acre Saver
$3,587
(Save $399 / month)
Acre Boost
$3,945
(Save $40 / month)
Mortgage
$3,985
Total wealth after 3 years*
Includes home appreciation, savings/principal, and value share/downpayment (minus costs).
Acre Saver
$56,128
(Keep $7,510 more than a mortgage)
Acre Boost
$67,421
(Keep $18,803 more than a mortgage)
Mortgage
$48,618
*Based on an estimated 4% annual home appreciation over three years.
Detailed comparison
Initial value share you pay
Estimated home appreciation*
Mortgage principal paid
Savings
Buy and sell transaction costs
Wealth Created
Total wealth after 3 years
Includes value share
*Based on an estimated 4% annual home appreciation over three years.
Detailed comparison
Acre Saver | Mortgage 30 year 6.78% interest | |
|---|---|---|
| Initial value share you pay | $25,000 | $25,000 |
| Estimated home appreciation* | $6,243 | $62,432 |
| Mortgage principal paid | $0 | $16,181 |
| Savings | $24,885 | $0 |
| Buy and sell transaction costs | $0 | -$54,995 |
| Wealth created | $31,128 | $23,618 |
| Total wealth after 3 years (includes your value share back) | $56,128 | $48,618 |
*Based on an estimated 4% annual home appreciation over three years.
Monthly payment breakdown
Acre Saver | Mortgage | |
|---|---|---|
| Total monthly | $3,587 | $3,985 |
| Base payment | $3,090 | |
| PMI | $0 | $297 |
| Property taxes | $0 | $390 |
| Insurance | $0 | $208 |
| HOA fees | $0 | $0 |
Monthly payment breakdown
Acre Saver | Mortgage | |
|---|---|---|
| Total monthly | $3,587 | $3,985 |
| Base payment | $3,090 | |
| PMI | $0 | $297 |
| Property taxes | $0 | $390 |
| Insurance | $0 | $208 |
| HOA fees | $0 | $0 |
Transaction costs
If you cash out or transfer before 3 years, the following transaction costs apply:
Acre | Mortgage | |
|---|---|---|
Year 1 0 - 12 months | 4% | 6%+ |
Year 2 13 - 24 months | 3% | 6%+ |
Year 3 25 - 36 months | 2% | 6%+ |
After 3 years +36 months | 0% | 6%+ |
Transaction costs
If you cash out or transfer before 3 years, the following transaction costs apply:
Acre | Mortgage | |
|---|---|---|
Year 1 0 - 12 months | 4% | 6%+ |
Year 2 13 - 24 months | 3% | 6%+ |
Year 3 25 - 36 months | 2% | 6%+ |
After 3 years +36 months | 0% | 6%+ |
Have more questions?
By using this calculator, you have not entered into any agreement with Acre, and Acre is not making any offer or guarantee. These are estimated values and are subject to change.