Personal Banking, Home Loans & Business Banking and Loans

Unison DPA Program

Unison Down Payment Program

Cut your down payment in half with the Unison Down Payment Investment program! This unique loan option contributes a portion of your down payment in exchange for an investment in the property.

Unison loan key features:

  • Low down payment on Conventional and Jumbo loans
  • Loan amounts of up to $1.5 million
  • While Unison is an investor in your home, you are still the sole owner
  • You pay nothing to Unison until your home is paid off or you choose to sell your home

Invest in your dream of homeownership!

A 20% down payment can be a lot to muster when you are purchasing a high priced home. HomeStreet Bank, in conjunction with Unison Homebuyer Investment Program, offers a possible solution to high down payment requirements that allows you to finance a Jumbo loan without a jumbo down payment. Unison is a unique investment program that will contribute as much as half of your down payment, helping you purchase a home sooner. In exchange for their contribution to the down payment requirement, they are an investor in your property.

Benefits include:

  • Loan amounts up to $1.5 million.
  • Ability to put just 7.5% down when used with a loan option that allows for down payments as low as 15%.
  • Certain loan programs allow for a portion of the down payment to be gift funds. When this loan option is used with a Unison down payment investment, your out of pocket contribution can be as little as 5%.
  • Unison can be used as a down payment solution with either a Conventional or Jumbo loan.

Here’s how it works:

  • Unison will contribute up to half the down payment requirement on your loan
  • In return, Unison is an investor in your property for the life of your mortgage
  • Unison does not charge interest or monthly payments, but rather will share in a portion of the change in value of your home when your mortgage is paid off or you choose to sell your home (whichever comes first)
  • You are the sole owner of your home, you can still make all desired updates and you can choose to sell your home at any time

All loans subject to approval.

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Find out if Unison can make your purchase possible.


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