HEA Settlement Estimator
Enter your home’s value and what you owe on it. Currently offered in California.
Proceeds, before closing costs.
Your home, $1,000,000
mortgage + provider share = 60.00% of 80% allowedEstimated HEA Amount
$100,000
Estimated closing costs
$6,715
Estimated proceeds at closing
$93,285
Final Settlement Amount
$231,855
19.97% APR
$100,000 in investment proceeds less $6,715 in closing costs. In exchange the capital provider receives a contractual right to 20.00% of your home’s value at settlement. Up to $200,000 is available, limited by your current mortgage balance — the capital provider's share plus your mortgage cannot exceed the combined loan-to-value limit.
This is an estimate for illustration only and is not an offer or a commitment to advance funds. It is based on the figures you entered and does not assess credit, property type, title, or any other eligibility requirement. Actual terms depend on a full application, a property appraisal, title review, and final underwriting. A Final Settlement Amount is due at the end of the Investment Period or upon sale or refinance. In a falling market the capital provider’s share falls with your home’s value, so the settlement is lower.
If your home appreciates at…
Projected home value, and the Final Settlement Amount you would owe, at intervals across the 10-year Investment Period. Your rate is highlighted.
| Annual appreciation | Today | Year 3 | Year 5 | Year 7 | Year 10 |
|---|---|---|---|---|---|
| -3.00% | $1,000,000 settle $100,000 | $912,673 settle $172,800 | $858,734 settle $171,747 | $807,983 settle $161,597 | $737,424 settle $147,485 |
| 0.00% | $1,000,000 settle $100,000 | $1,000,000 settle $172,800 | $1,000,000 settle $200,000 | $1,000,000 settle $200,000 | $1,000,000 settle $200,000 |
| +3.00%your rate | $1,000,000 settle $100,000 | $1,092,727 settle $172,800 | $1,159,274 settle $231,855 | $1,229,874 settle $245,975 | $1,343,916 settle $268,783 |
| +5.00% | $1,000,000 settle $100,000 | $1,157,625 settle $172,800 | $1,276,282 settle $248,832 | $1,407,100 settle $281,420 | $1,628,895 settle $325,779 |
Top figure is the projected home value; beneath it is what you would settle for that year.
Contract Terms (Read-only)
- Your current loan-to-value
- 40.0%
- Maximum combined loan-to-value
- 80%
- Maximum share of home value advanced
- 30%
- Maximum HEA ownership
- 49.99%
- Settlement Multiplier
- 2.0x
- Homeowner protection cap
- 20% annualized
- Minimum investment proceeds
- $30,000
- Maximum investment proceeds
- $500,000
- Property value range
- $200,000 – $3,000,000
- Transaction fee
- 4.50%
- Fixed third-party closing costs
- $2,215
Program terms as configured on 2026-08-31; confirm current terms before relying on an estimate.
A Home Equity Agreement is a purchase of a partial interest in the future value of your property. You will not make monthly payments. The capital provider's return is determined by a Settlement Multiplier applied to your home's value at settlement — unlike a loan, no interest accrues and there is no fixed repayment obligation. Settlement is required by end of Investment Period. Your settlement amount may be more or less than the investment proceeds you received; in a high-appreciation scenario, the effective cost may substantially exceed a comparable home equity loan or line of credit. A security interest will be recorded against your property, which may affect your ability to refinance. Barastone is not a mortgage lender except as required by applicable state law. State-specific requirements apply in Maryland, Connecticut, Illinois, Massachusetts, Washington, Georgia, and may apply in California. Texas: this Agreement is a Property Rights Purchase, not a Section 50(a)(6) home equity loan. Consult independent legal, financial, and tax advisors.