What if I want Landed to contribute less than 10% down?

You do not have to use a full 10% down payment contribution from Landed. In some instances, our customers are able to contribute more than 10% towards the down payment, and only require a smaller contribution to reach a 20% down payment.

Our goal is to be as flexible as possible. Every home purchase is different and we find that our buyers don't always need exactly 10% from Landed. We've supported transactions in which we contributed 7.7% down or 5.6% down. When we contribute less than 10% down, the future appreciation/depreciation sharing also changes proportionally. For every 1% Landed contributes, Landed shares in 2.5% of the appreciation (or depreciation, if any).

Here's an example:

Let's say you contribute 15% towards the down payment, and you only need Landed to contribute 5% towards the down payment. That means that Landed would share in 12.5% of the future change in value.