Unison requirements at a glance
| Requirement | Unison | Notes |
|---|---|---|
| Minimum credit score | Not published | |
| Home value | No published minimum | |
| Cash you can get | Up to $500,000, and at most 15% of your home's value | |
| Leverage limit | Mortgage plus investment under 80% of home value | Not published; our assumption |
| Time to settle | Within 30 years | |
| States served | 23 states | Unison's own list |
Terms verified September 23, 2026; state list as of September 23, 2026. Every term and its source: Unison on HEI Calculator's provider terms page. Unison sets final terms after underwriting.
Do you qualify for Unison?
Checked against Unison's published requirements. Nothing is saved or sent.
You meet Unison's published requirements
Most you could ask for on its limits: $112,500.
Unison still reviews your application, title, and appraisal before making an offer.
If you don't meet Unison's requirements
Other providers publish different limits:
See every provider at once with the HEI Offers matcher, read Unison alternatives on HEI Compare, or, if a HELOC was turned down, start with Denied for a HELOC?
What Unison would cost you
Qualifying is half the question. Use the Unison calculator to see what you'd repay by year and growth rate, and read the full Unison review.
States Unison serves
Arizona, California, Delaware, District of Columbia, Florida, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, Ohio, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Wisconsin. Source: Unison: In which states are Equity Sharing Agreements available?.
Questions
What credit score does Unison require?
Unison doesn't publish a minimum credit score. Ask Unison directly, and expect it to review your credit as part of the application.
Which states does Unison operate in?
Unison lists 23 states: Arizona, California, Delaware, District of Columbia, Florida, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, Ohio, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Wisconsin. Availability can vary by county; check with Unison for your address.
How much money can I get from Unison?
Up to $500,000 on its published terms, up to 15% of your home's value, and your mortgage plus the investment must stay under 80% of your home's value. For a $750,000 home with a $300,000 mortgage, that's $112,500.
How long do I have to settle with Unison?
Within 30 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.
