Hello future homeowner.

Find your dream home, move in now, and rent it with part of your rent going towards the purchase of the home.

This program is designed for you to become mortgage-eligible in 3 years or less.

Stop renting. Start owning.

Apply in minutes.

Get prequalified for a home-shopping budget. It’s free, there’s no commitment, and it doesn’t impact your credit score.

Find your dream home.

With your budget in hand, go shopping for your new home. Divvy buys it with an all-cash offer, and the keys are yours.

Move in and make it yours.

Rent your new home from Divvy while you get ready to own it, with built-in savings for your down payment each month.



Apply for free in 5 minutes

Getting prequalified is free. It’s quick, comes with no commitment, and doesn’t impact your credit score.

5 minutes

Find your dream home

You get a home-shopping budget, and you can choose any qualifying home on the market. Work with your own agent, or find one through Divvy.

As little as 2 days


Divvy buys your dream home

We pay for the home in cash and cover all fees, closing costs, taxes, and insurance. You make an initial payment of 1% to 2% of the selling price, which goes straight to savings for your own future down payment.

2–3 weeks

Move in with built-in savings

Move in and make it home. Your monthly payment includes built-in savings that grow into a down payment over time. (Our program is designed for Divvy customers to become mortgage-eligible within 3 years.)


Buy your home, or walk away with savings

Buy your home when the time is right. Change of plans? You can also move out early (with a 60-day notice) and keep your Divvy savings (minus a relisting fee).

How does pricing work?

Pricing varies depending on the home, your initial payment, and your monthly savings.

To find out your personal home-shopping budget, get prequalified. It’s completely free, takes 5 minutes, and doesn’t affect your credit score.

At move-in

Initial payment

You make a one-time, upfront payment (1%–2% of your home’s value) that goes straight toward savings for your future down payment.

Each month

Rent + home savings

Your rent with Divvy is based on a fair market rent for your area. Your monthly home savings* are separate, and we set them aside for you to save up little by little for your future down payment.

*Your monthly home savings make up approximately 10-25% of your total monthly payment (or roughly .10-.25% of your home’s value). For example, on a $200,000 home, approximately $200-500 per month of your monthly payment would go toward your home savings.

Who’s a good fit for Divvy?

If you can get approved for a traditional mortgage today, we say: Go for it. But Divvy is ideal if…

You could use help saving up
for a down payment

With Divvy, savings for your down payment are built right into your monthly payment, so they add up over time. In 3 years (or even sooner), you can afford a 10% down payment on your home.

Your credit score isn’t
quite there yet

We accept a minimum FICO credit score of 550—so even if you’ve hit a few bumps in the road, Divvy could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.

You’re self-employed or
got a new job

Divvy looks at your last 3 months of income when determining your home-shopping budget, which makes us a great option if you’re self-employed or recently started a new position. (Congrats, either way.)

You want a more competitive offer

With Divvy, savings for your down payment are built right into your monthly payment, so they add up over time. In 3 years (or even sooner), you can afford a 10% down payment on your home.

You want to try before you buy

At Divvy, we move fast and our program is flexible. Which means you get into your dream home sooner and – if life changes – you’re not locked in. Who says you shouldn’t be able to try-before-you-buy anyways?

You’ve got questions.

We’ve got answers.

Not seeing your question here?

Divvy makes money from your monthly rent payments and from the home’s appreciation over time. That’s it. What’s unique about Divvy is that we care about your long-term success:

You get to save for a future down payment.
About ¼ of every monthly payment goes toward your savings for a mortgage of your own. Whenever you’re ready, you can either use those savings to buy your home from us or move out and keep your savings, minus a relisting fee.

You also benefit from home appreciation.
When you move in with Divvy, we give you the option to buy your home from us at a preset price in the future, whenever you’re ready. If the home’s value rises higher than that, your preset price stays the same—meaning you could buy your home for less than its market price.

Applying for Divvy is completely free, takes 5 minutes online, and comes with no commitment. It also won’t impact your credit score. Don’t worry if your financial picture isn’t perfect—we get that life happens, and everyone’s situation is different.

After applying, you’ll get your estimated home-shopping budget. We’ll then verify your application and you’ll receive your approved shopping budget in 2 business days.

As part of the application process, we’ll ask you for the following:

  • Contact information
  • When you’re planning to move
  • Where you want to live
  • If you’re currently working with a real estate agent
  • If you’re applying with another person
  • Your current financial situation (gross monthly income and current rent)
  • Personal information to run a soft credit check
  • Employment information
  • Background check
  • Proof of identityv

For the most part: yes, you can! Divvy lets you shop homes that are listed for sale and within your approved Divvy budget. There are a few exceptions—like no manufactured homes or foreclosures—but most homes work. Go home shopping with your own real estate agent, or we’ll pair you with one of our trusted agents. Once you choose the perfect home for you, we buy it, and the keys are yours. Learn more about home eligibility here.

You can buy your home at any time during your 3-year lease, whenever you’re ready. You’ll know what your purchase price options are before you sign the lease, with a lower pre-set purchase price if you buy your home in the first 18 months of your lease.

Nope. We know that things change, and you might want or need to move out instead of buying your home. You have the option to end your lease early (with a 60-day notice) and keep the savings you built with Divvy, minus a relisting fee for your home. (The relisting fee is a percentage of the initial purchase price, equal to 2% of the initial purchase price.)

Divvy pays for the inspection process, closing costs, property taxes, and homeowner’s insurance on the initial purchase and while we own the home. Since we own it until you buy it for yourself, we make sure that every home we purchase is a solid investment and in good shape for the long haul. You will be responsible for closing costs, property taxes, and homeowner’s insurance once you complete our program and buy the home.

Divvy in the press

Divvy is proud to included on Time's list of the 100 Most Influential Companies of 2022.

Divvy is proud to included on Time's list of the 100 Most Influential Companies of 2022.

Divvy is proud to included on Time's list of the 100 Most Influential Companies of 2022.

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