Best Leasehold Homeownership Providers (September 2026)
House now. Land later. Buy the home with as little as 1% down and lease the land underneath it. On a $500K home, that's $5,000 down instead of $100K. You own the house and build equity from day one, then refinance and buy out the land when you're ready. Compare providers below and see if you qualify.
Leasehold Homeownership vs Traditional Mortgage
| Feature | Leasehold Homeownership | Traditional Mortgage |
|---|---|---|
Down Payment Disclaimer popup with additional information | As low as 1% | Typically 20% |
Down Payment Opportunity Cost Disclaimer popup with additional information | 1% down keeps capital invested in higher-yielding assets | 20% down often requires liquidating investments |
Easier Qualification Disclaimer popup with additional information | ||
Lower Monthly Payment Disclaimer popup with additional information | ||
Ground Rent Disclaimer popup with additional information | In addition to the mortgage | Not applicable |
Property Ownership Disclaimer popup with additional information | Own the home, lease the land | Own home and land outright |
Resale & Refinancing Disclaimer popup with additional information | Standard processes. Some lender-specific nuances may apply. | Standard sale and refinancing |
Lease terms, ground rent escalation, renewal rights, land buyout options, and resale or refinancing flexibility vary by provider. The rates and terms shown on this site are estimates and not binding offers. Always review the full lease and mortgage agreements and consult a financial or legal advisor before applying.