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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
$3,698
Save $411
Acre Boost
$4,068
Save $41
Mortgage
$4,109
Total wealth after 3 years
Includes home appreciation, savings/principal, and value share/downpayment (minus costs).
Acre Saver
$54,017
Keep $28,576 more than a mortgage
Acre Boost
$55,289
Keep $29,848 more than a mortgage
Mortgage
$25,441
Based on an estimated 2.5% annual home appreciation over three years.
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.
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 2.5% annual home appreciation over three years.
Detailed comparison
Acre Saver | Mortgage 30 year 7.17% interest | |
|---|---|---|
| Initial value share you pay | $25,000 | $25,000 |
| Estimated home appreciation* | $3,845 | $38,445 |
| Mortgage principal paid | $0 | $15,071 |
| Savings | $25,173 | $0 |
| Buy and sell transaction costs | -$5,384 | -$53,076 |
| Wealth created | $29,017 | $441 |
| Total wealth after 3 years (includes your value share back) | $54,017 | $25,441 |
Based on an estimated 2.5% annual home appreciation over three years.
Monthly payment breakdown
Acre Saver | Mortgage | |
|---|---|---|
| Total monthly | $3,698 | $4,109 |
| Base payment | $3,215 | |
| PMI | $0 | $297 |
| Property taxes | included | $390 |
| Insurance | included | $208 |
| HOA fees | included | $0 |
Monthly payment breakdown
Acre Saver | Mortgage | |
|---|---|---|
| Total monthly | $3,698 | $4,109 |
| Base payment | $3,215 | |
| PMI | $0 | $297 |
| Property taxes | included | $390 |
| Insurance | included | $208 |
| HOA fees | included | $0 |
Transaction costs
No matter when you move, you'll pay lower fees with Acre compared to a sale with a mortgage.
Acre | Mortgage | |
|---|---|---|
| Year 1 | 5% | -8%~8% |
| Year 2 | 4% | -8%~8% |
| Year 3 | 3% | -8%~8% |
| After 3 years | 0-1%* | -8%~8% |
*The fee to cash out is 1% to cover some of Acre's costs to sell or re-lease the home. This fee does not apply if you purchase the home after 3 years.
Transaction costs
No matter when you move, you'll pay lower fees with Acre compared to a sale with a mortgage.
Acre | Mortgage | |
|---|---|---|
| Year 1 | 5% | -8%~8% |
| Year 2 | 4% | -8%~8% |
| Year 3 | 3% | -8%~8% |
| After 3 years | 0-1%* | -8%~8% |
*The fee to cash out is 1% to cover some of Acre's costs to sell or re-lease the home. This fee does not apply if you purchase the home after 3 years.
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.