Paths to Homeownership
Build your down payment while you rent. Own your home in 12 months with zero closing costs.
Simple 4-step process
Qualify & Apply
Meet minimum credit and income requirements
Contribute a $5,000 Option Fee
We'll credit your existing security deposit toward this
Build Your Down Payment
Monthly credits accumulate toward 3% down
Close & Own
$0 closing costs, become a homeowner
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3% down payment = $12,297 target
Month 3
$5,900
48% of goal
Month 6
$6,800
55% of goal
Month 9
$7,700
63% of goal
Month 12
$13,000
100% of goal
Last 2 Months Free
Make all monthly payments on time, and your last 2 months of rent are completely free. Up&Up credits $5,000 directly toward your down payment to help you reach the full 3%.
By Month 12, you'll have $13,000 saved
That's $703 more than the 3% down payment target of $12,297 — giving you a comfortable cushion at closing.
*All payment estimates are approximate and based on an average credit borrower. Actual rates and payments may vary depending on credit score, loan program, and lender terms. Contact us for a personalized quote.
Everything you need to know about the Lease-to-Purchase Program
A lease-to-purchase program lets you rent your home while building toward ownership. You pay a small option fee upfront and a modest monthly premium, and at the end of 12 months you have the right — but not the obligation — to purchase the home at today's locked-in price.
Ready to learn more? Fill out the form below and we'll call you at your preferred time.