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Built for real life

Home is still the dream.
The mortgage isn't.

If your next chapter is three to five years, not thirty, Acre can leave you better off. Acre buys the home in cash, you put in 5% up front, and you pay one monthly amount.

Compare the math View homes

A three-story craftsman home with wraparound balconies on a landscaped hillside

Resident stories

What it looks like for people already in an Acre home.

Representative home exterior in High Point, North Carolina

“Nothing is more complicated than buying a house. Nothing was easier than getting into this one.”

After a year on a lease where nothing got fixed, Dustin and his partner found a home that fit life now.

After a difficult lease, Dustin and his partner knew renewing was off the table. They also did not know whether their new city and job would be permanent. Acre bought a home all-cash, and they moved in with a Value Share.

“The perfect alternative if your long-term game plan isn’t solidified.”

Dustin M. · High Point, NC

Story details come from a Resident interview. Representative home shown. Individual terms vary. Equal Housing Opportunity.

Acre Residents · Durham, NC

Megan & Terrence saved $23,536 in up-front costs on their home in Durham, NC.

Acre buys each home all-cash, so you don’t pay the closing costs.

Closing costs paid by the Resident: Nothing
Home price: $507,500

That figure comes from Acre’s own records for this home. The Resident’s Value Share payment is separate and is not included. Every home is different. See full terms at acrehomes.com. Equal Housing Opportunity.

With Acre

What you get

The keys

A home you chose, ready on move-in day. Acre buys with cash, so you stop losing homes to cash offers.

The neighborhood

You pick the school district and the commute. Then you settle in.

The upside

The 5% you put in up front is your Value Share. It moves with the home's value, so you share in the appreciation from day one.

The options

Buy the home. Transfer to another Acre home. Cash out. Written into the agreement before you move in.

The math

Same home. Same market. What would you walk away with?

A $425,000 home near the metro median, against a 5% down mortgage. Cash to start: $21,250 with Acre, $29,750 with the mortgage (5% down plus closing costs).

I'm staying about

If home values

Acre ahead by $12,157 after 5 years

With Acre Boost$33,324 With the mortgage$21,167

On these assumptions, Acre comes out ahead in every three-to-five-year stay, including a market that dips.

Get your numbersNo email, no form, no credit checkTalk to an Acre advisor

Assumptions

Illustrative, not a quote or a guarantee, using Acre's standard modeling assumptions (Engineering V5): a 7.18% thirty-year mortgage with 5% down and 0.75% mortgage insurance, 2% closing costs going in and 8% selling costs going out, 0.85% property tax, 0.5% insurance, and 1% a year owner maintenance versus 0.5% with Acre. The figures use Acre Boost: a monthly payment at the mortgage's, with 50% of appreciation; declines share at 5%. Acre's standard growth assumption is 4% a year; this page defaults to a more conservative 2%. Decline options are total drops in value by the time you sell, not yearly rates. After year three, cashing out carries a 1% fee; leaving during the term carries 2-4%. "Walk away with" counts what you'd hold at exit, less the cash you put in, plus any monthly savings. Open the full calculator to set the assumptions yourself.

Where the money goes

What a mortgage costs over a short stay.

Over thirty years, a mortgage is a fine tool. Over three to five, much of what you pay goes to interest, mortgage insurance, closing costs, and commissions, not the home.

$8,500

Closing costs on the way in, about 2%

87¢

Of every dollar in early mortgage payments goes to interest, not the home

$46,000

The full round trip of closing and selling costs, about 10%

$0 + $0

Acre's closing costs at move-in and selling commission at exit

On the same illustrative $425,000 home as above.

Compare

Now there are three paths.

Swipe to see all three columns →

Comparison of renting, Acre, and buying with a mortgage
Dimension	Renting	Acre	A mortgage
Move in with less cash up front	Yes	Yes	No
Upfront, on a $425,000 home	First and last month	$21,250, the 5% Value Share	$29,750: 5% down plus closing
Share in the home's appreciation	No	Yes	Yes
8–10% selling costs when you leave	No	No	Yes
Freedom to leave after a few years	Yes	Yes	No
Protected if the market dips	Yes	Yes	No
Big-system repairs stay off your plate	Yes	Yes	No
Hold title from day one	No	No	Yes

Simplified view. Protected means you're never underwater, even in a down market. Dollar figures are illustrative, using the same $425,000 home as above. How Acre compares with a mortgage depends on your length of stay, home value changes, and financing costs. Compare scenarios in the calculator.

Questions about your situation? Talk to an Acre advisor

How it works

From first conversation to keys in hand.

Step one

Get approved

A quick review of your income, assets, and savings, using a soft credit pull that doesn't affect your score.

Step two

Find the home

Browse Acre's move-in-ready homes or bring your own. Acre makes an all-cash offer built to win it.

Step three

Move in

Acre completes the repairs and prep, then hands you the keys. Major systems stay covered while you live there.

Step four

Choose your exit

After three to five years: buy the home, transfer to another Acre home, or cash out. Your options are set from day one.

What is Acre

Acre buys the home.
You make it yours.

Acre purchases the home outright, with cash. Your 5% Value Share is the upfront amount you put in: it moves with the home's value, and it's how you share in the appreciation from day one.

It's not a mortgage. It's not renting. It's Acre.

Acre holds title during your term. Your Value Share and your right to buy the home are written into the agreement from day one.

Talk to an Acre advisor about how the agreement works.

See whether Acre beats your other options.

Set your price, your stay, and the market path. No email, no form, no credit check.

Get your numbers Schedule with an advisor

Home is still the dream.The mortgage isn't.