Last Updated: 06/02/2026
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Highlights
Credit Score Range
N/A
Minimum Down Payment
N/A
Home Value
N/A
Land Ownership Structure
Ground Lease (third-party land owner)(Verified 01/27/2026)
Cedar Leaseholds Review
Cedar Leaseholds is offered by Cedar Innovations Inc, a financial technology company founded in 2023 and based in Wilmington, DE. Cedar are available in 48 states.
Key Takeaways
- Land buyout option available at any time. Purchase the land share and convert to full ownership. Buyout price is based on appraised value at that time.
- Long-term ground lease. Lease terms can extend up to 99 years.
- Defaulting on ground rent could put your home at risk. If you fall behind on ground lease payments, the landowner may have the right to terminate the lease even if your mortgage is current.
- Full appreciation upside. Homeowners keep 100% of any home value appreciation.
- Available in most states. Cedar Leaseholds operates in a majority of U.S. states.
- You don't own the land. The ground lease is a long-term commitment.
Cedar Leaseholds Pros & Cons
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Cedar Leaseholds FAQ
How does Cedar Leaseholds's leasehold homeownership program work?
Leasehold homeownership allows you to purchase a home while leasing the land beneath it. You own the home itself, while the land is owned by a third party and leased to you under a long-term agreement.
Cedar Leaseholds uses a structure, which influences how the lease is set up and how resale and buyout terms may apply.
What are the mortgage and eligibility requirements?
Mortgage programs may include:
- Conventional mortgages, which are commonly used for standard home purchases and typically require stronger credit and income qualifications.
- FHA loans, which may allow for lower down payments and more flexible credit requirements.
What are the upfront costs?
Cedar Leaseholds does not publicly disclose detailed upfront cost information. Actual costs may vary based on the property, location, and financing terms.
How does ground lease monthly payment work?
Ground lease payment may increase over time. The escalation approach may vary based on program terms.
How long is the ground lease?
Ground lease terms can last up to 99 years.
How does home appreciation work?
Homeowners keep 100% of any increase in the home's value, giving them full upside on their investment.
Can you buy the land?
Yes. Homeowners can purchase the land interest at any time and move toward full, traditional ownership of the entire property.
Buyout pricing is determined using an impartial independent 3rd party appraised valuation method.
Are there restrictions on reselling?
No. Homeowners can sell on the open market to any buyer, just like a traditional home sale. The land interest is settled at closing under the program's terms.
What happens when you sell?
Homeowners can sell on the open market much like a standard home sale. The land interest is settled at closing under the program's terms, and the buyer typically either pays off the land position or assumes the existing ground lease. Review the specific resale and settlement terms with Cedar Leaseholds before listing.
How does total cost compare to a traditional mortgage?
The mortgage covers only the home portion of the property value. This results in a lower mortgage payment, but the separate ground lease payment must be factored into your total monthly housing cost.
In some cases, the combined mortgage-plus-ground-rent payment may be comparable to or lower than a traditional mortgage on the same property. However, the primary advantage is the dramatically lower down payment.
Buyers should compare total monthly housing costs (mortgage + ground rent + taxes + insurance) side by side with a traditional mortgage before making a decision.
Is Cedar a legit company?
Cedar was founded in 2023. It is an established company that has been in business for 3 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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