Hello, future homeowner.

Find your dream home, move in now, and rent with built-in savings for your down payment. In 3 years or less, you’re ready to buy.

Get started now. It’s free and won’t impact your credit score.

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How Divvy works.

Apply in minutes.

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

Find your dream home.

With your budget in hand, go shopping for your new home (with a Divvy agent or your own). Divvy buys it with an all-cash offer, and the keys are yours.

Move in and make it yours.

Rent your new home from Divvy while you get ready to own it, with built-in savings for your down payment each month.

image of Kristin and Andrew
“I honestly thought it was too good to be true. Owning our home is a dream.”
Kristin and Andrew's signature
Kristin and Andrew
Became homeowners in 2021,
only 31 months after beginning the Divvy program.
image of Janese
“Divvy is a homeownership program that not only wants you to purchase the home, they want a better you.”
Janese's signature
Became a homeowner in 2020,
only 4 months after beginning the Divvy program.
image of Joe
“Finding a home in a community that I felt good about, and having Divvy’s support acquiring it, was priceless.”
Joe's signature
Became a homeowner in 2021,
only 21 months after beginning the Divvy program.
image of Chiquita and Charles
“Years from now, as adults, our children can look back and remember all of the love and fun we shared here.”
Chiquita and Charles's signature
Chiquita and Charles
Became homeowners in 2022,
only 9 months after beginning the Divvy program.

The proof is in the numbers

After 3 years with Divvy, 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.

How do I qualify for Divvy?


Here’s what you’ll need to qualify for Divvy:

  • Minimum FICO score of 550*: Even if you’ve hit a few bumps in the road, Divvy could be the right partner for you. Once you’ve moved into your home, we’ll pair you with a free credit counselor to help you get ready for your own mortgage.
  • Minimum monthly household income of $2,500: Adding a co-applicant during the application process may help you reach this minimum. Minimum required income will depend on factors like your current debt levels and home prices in your metro area.
  • Employment history for the last 3 months: Divvy looks for 3 months of steady income, which makes us a great option if you’re self-employed or have recently started a new job.
  • Debt-to-income (DTI) ratio: We look at your debt-to-income ratio, which measures how much of your monthly income goes toward your monthly debt payments. You can calculate this by dividing your monthly debt payments (such as car, student loan, personal loan, rent, and minimum credit card payments) by your monthly income (before taxes).
  • Background check: We run a background check to ensure there are no bankruptcies or evictions in the last 12 months.
  • A valid government-issued photo ID

Learn more about our qualifications here

* Not all FICO scores are calculated the same way—we use Experian as our credit bureau and look for at least 1 industry standard 3rd party model score greater than or equal to 550. Your score through your credit card company or third-party service could appear differently. Our credit requirements are also subject to change at any time.

** We may still be able to move forward if a bankruptcy has been cleared for more than one year.

You’ve got questions. We’ve got answers.

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Divvy in the press
Divvy is proud to be included on Time’s list of the 100 Most Influential Companies of 2022.
“Innovative technology that’s simplifying and opening the real estate market to a new generation.”
Washington Post
“Reimagining [rent-to-own] by offering aspiring homeowners more say and more financial leverage.”
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