A rent-to-own program designed for you

Start your homeownership journey now—and build wealth for yourself and your family—without perfect credit or piles of cash up front.

Fast-track your future

Get an estimated home-shopping budget

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Household income before taxes
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Don’t include current rent payments

* This estimator is being provided for educational and illustrative purposes only. By using this estimator, you are creating an account with Divvy Homes and you agree to Divvy’s Terms and Conditions and Privacy Policy. We’ll never email you spam. Any information provided by the calculator is not an approval. We may share information about your site activity with real estate agents to help them understand what you’re looking for in a home.

How the program works

1

Apply in minutes

Get pre-approved for a home-shopping budget. It’s free, no-commitment, and doesn’t impact your credit score.

2

Find your dream home

With your budget in hand, you can shop for your new home with an agent. The home is bought on your behalf, and the keys are yours.

3

Move in and make it yours

You rent your new home while you get ready to own it, while saving for your down payment each month.

4

Buy your home, or walk away with savings

Buy your home when the time is right. Change of plans? You can also move out anytime and keep your savings (minus a surrender fee of 2% of the original purchase price).

What makes this program different?

Get a path to homeownership.

Live in your dream home today, and your monthly payments grow into a down payment —so you can buy your home when you’re ready.

You’re never locked in.

Whenever you're ready, you can buy your home at a preset price. Or if life changes, walk away anytime with your savings (minus a surrender fee of 2% of the original purchase price).

The fast-track to your future.

The power to make a home now—and build wealth for yourself and your family—without perfect credit or piles of cash up front.

The proof is in the numbers

After 3 years, the average customer saves $16,000 toward their home's down payment.

The average Divvy customer goes from offer to close in just 19 days.

Signing up with Divvy is easy, you can get prequalified in under 5 minutes.