Hometap requirements at a glance
| Requirement | Hometap | Notes |
|---|---|---|
| Minimum credit score | 585 | |
| Home value | No published minimum | |
| Cash you can get | $15,000 to $600,000, and at most 27% of your home's value | |
| Leverage limit | Mortgage plus investment at most 75% of home value | |
| Time to settle | Within 10 years | |
| States served | 27 states | Hometap's own list |
Terms verified September 23, 2026; state list as of September 23, 2026. Every term and its source: Hometap on HEI Calculator's provider terms page. Hometap sets final terms after underwriting.
Do you qualify for Hometap?
Checked against Hometap's published requirements. Nothing is saved or sent.
You meet Hometap's published requirements
Most you could ask for on its limits: $202,500.
Hometap still reviews your application, title, and appraisal before making an offer.
If you don't meet Hometap's requirements
Other providers publish different limits:
- Lower credit minimum: Point (500), Unlock (500), Splitero (500)
- More time to settle: Point (30 years), Unison (30 years), Splitero (30 years), CHEIFS (no end date)
- Higher leverage limit: Point (80%, assumed), Unison (80%, assumed), Splitero (80%, assumed)
- More states: Point (32)
See every provider at once with the HEI Offers matcher, read Hometap alternatives on HEI Compare, or, if a HELOC was turned down, start with Denied for a HELOC?
What Hometap would cost you
Qualifying is half the question. Use the Hometap calculator to see what you'd repay by year and growth rate, and read the full Hometap review.
States Hometap serves
Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Indiana, Kentucky, Michigan, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Wisconsin. Source: Hometap FAQs.
Questions
What credit score does Hometap require?
Hometap publishes a minimum credit score of 585. Meeting it doesn't guarantee an offer; Hometap reviews your whole application.
Which states does Hometap operate in?
Hometap lists 27 states: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Indiana, Kentucky, Michigan, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Wisconsin. Availability can vary by county; check with Hometap for your address.
How much money can I get from Hometap?
$15,000 to $600,000 on its published terms, up to 27% of your home's value, and your mortgage plus the investment must stay within 75% of your home's value. For a $750,000 home with a $300,000 mortgage, that's $202,500.
How long do I have to settle with Hometap?
Within 10 years, or sooner if you sell or refinance.
Want someone on your side?
Tell us where you are. Kevin, Jason, or Mike will look it over and reply by email.
