# Frequently Asked Questions ## What are the costs associated with Unison? For the Unison equity sharing agreement, Unison will deduct a 3.9% transaction fee from your agreement at closing. Additionally, you are responsible for third-party costs such as appraisal and settlement costs (including title, state taxes, and recording fees). Appraisal fees generally range from $450 to $1,250, home inspection fees typically range from $650 to $1,050 and settlement costs range from $700 to $1,750, depending on your area. Your exact costs will be provided to you prior to closing. In addition to our standard 3.90% transaction fee, customers who obtain an equity sharing agreement from Unison are responsible for the cost of their home inspection. (There is no home inspection fee for customers who choose not to work with Unison). If you happen to have a recent home inspection that meets standard criteria, let us know and Unison will consider using that one instead. If you choose not to work with Unison, you will not be responsible for any fees. Additionally, Unison pays any cost of credit reporting, as applicable. ## What is an Equity Sharing Agreement? [Learn More](/content/faqs/question/esa-overview/index.html) ## How much funding is available? [Learn More](/content/faqs/question/esa-funding-amount/index.html) ## How long is the term and what happens at the end? [Learn More](/content/faqs/question/esa-agreement-end/index.html) ## If I partner with Unison, who owns the home? [Learn More](/content/faqs/question/esa-home-ownership/index.html) ## What percentage of the future change in the home’s value will Unison share? [Learn More](/content/faqs/question/esa-sharing-percentage/index.html) ## How does Unison secure its interest in the property? [Learn More](/content/faqs/question/esa-lien/index.html) ## Does Unison benefit from the equity that is built as I pay down my mortgage? [Learn More](/content/faqs/question/esa-mortgage-paydown/index.html) ## What is the Risk Adjustment and how does Unison determine my home’s starting value? [Learn More](/content/faqs/question/esa-risk-adjustment/index.html) ## In which states are Equity Sharing Agreements available? [Learn More](/content/faqs/question/esa-available-states/index.html) ## What is the Owner Occupancy Requirement? [Learn More](/content/faqs/question/esa-occupancy/index.html) ## What kind of properties are eligible? [Learn More](/content/faqs/question/esa-property-types/index.html) ## Am I allowed to rent my property in the future? [Learn More](/content/faqs/question/esa-renting/index.html) ## What is the "restriction period"? Can I sell my home at any time? [Learn More](/content/faqs/question/esa-restriction-period/index.html) ## What does Unison need to know in order to determine whether they will invest in my home? [Learn More](/content/faqs/question/esa-requirements/index.html) ## Why does Unison require a home appraisal and is it accurate? [Learn More](/content/faqs/question/esa-appraisal/index.html) ## What do I need in order to qualify for a Unison equity sharing agreement? [Learn More](/content/faqs/question/esa-qualification/index.html) ## How does Unison store and protect my information? [Learn More](/content/faqs/question/esa-data-security/index.html) ## Do you have to check my credit? When does that happen? [Learn More](/content/faqs/question/esa-credit-check/index.html) ## How does Unison assess my property? [Learn More](/content/faqs/question/esa-property-assessment/index.html) ## Will Unison share in the value of my home improvements? [Learn More](/content/faqs/question/esa-home-improvements/index.html) ## What happens if I get behind on home maintenance? [Learn More](/content/faqs/question/esa-maintenance/index.html) ## What happens if there is a foreclosure? [Learn More](/content/faqs/question/esa-foreclosure/index.html) ## What happens if I can't make my mortgage payments and default? [Learn More](/content/faqs/question/esa-default/index.html) ## How does Unison affect my taxes? [Learn More](/content/faqs/question/esa-taxes/index.html) ## If I choose a Unison equity sharing agreement, can I still refinance in the future? [Learn More](/content/faqs/question/esa-refinancing/index.html) ## What if something happens to me during my agreement? [Learn More](/content/faqs/question/esa-death/index.html) ## In what situations would Unison not be the right option? [Learn More](/content/faqs/question/esa-right-fit/index.html) ## How is Unison's profit or loss calculated upon sale? [Learn More](/content/faqs/question/esa-profit-calculation/index.html) ## Can I buy out Unison's investment in my home? [Learn More](/content/faqs/question/esa-buyout/index.html) ## What happens when I decide to sell my home? [Learn More](/content/faqs/question/esa-selling/index.html) ## Who decides when our partnership ends? Can you force me to sell my house? [Learn More](/content/faqs/question/esa-partnership-end/index.html) ## Is it possible I could end up owing Unison back less money at the end than I received at the beginning? [Learn More](/content/faqs/question/esa-owing-less/index.html) ## Does Unison share in selling costs? [Learn More](/content/faqs/question/esa-selling-costs/index.html) ## What is a Deferred Maintenance Adjustment? [Learn More](/content/faqs/question/esa-deferred-maintenance/index.html) ## What is the Equity Appreciation Limit and how does that affect my payment to Unison during the Restriction Period? [Learn More](/content/faqs/question/esa-appreciation-limit/index.html) ## Who is Unison? [Learn More](/content/faqs/question/esa-about-unison/index.html) ## What is Unison’s business model? [Learn More](/content/faqs/question/esa-business-model/index.html) ## How do I know if I can trust Unison? [Learn More](/content/faqs/question/esa-trust/index.html) ## Where does Unison’s funding come from? Who are your investors? [Learn More](/content/faqs/question/esa-funding-source/index.html)