How Point works out what you owe
- How you repay: the investment back, plus 2.4× your share of the change in value above a starting value set 27% below today's value.
- Fee: 3.9% of the investment, minimum $2,000, taken from the cash you receive, plus third-party closing costs (we use $1,500).
- Cost cap: 18% a year, compounded yearly, on the investment. You never repay more than that.
- Term: settle within 30 years.
- Limits: $30,000 to $600,000; mortgage plus investment under 80% of home value (our assumption; not published); home worth at least $155,000; credit score 500+.
Worked example. $750,000 home, $300,000 mortgage, $100,000 investment, 4% yearly growth, settled after 7 years: you'd receive $94,600 after fees and repay $240,624, a total cost of $146,024, or 14.3% a year.
Things to know about these terms
- Point's fee is "up to" 3.9% with a $2,000 minimum; we use the full 3.9%.
- Point publishes no limit on its share of home value or on leverage, so we assume your mortgage plus the investment must stay under 80% of your home's value.
Sources for every term: Point on our provider terms page. Real offers are set after underwriting and can differ; always check your written offer.
What Point costs as home prices change
Same example, settled after 7 years. Unlike a loan, an HEI costs more the faster your home grows.
| Home growth | You repay | Total cost | Effective annual cost |
|---|---|---|---|
| -2% a year | $133,150 | $38,550 | 5.0% |
| 0% a year | $164,800 | $70,200 | 8.3% |
| 2% a year | $200,485 | $105,885 | 11.3% |
| 4% a year | $240,624 | $146,024 | 14.3% |
| 6% a year | $285,671 | $191,071 | 17.1% |
| 8% a year | $318,547* | $223,947 | 18.9% |
* The cost cap sets the amount.
Point vs the other providers
In the standard example ($750,000 home, $100,000 investment, 4% growth, 7 years), Point ranks 3 of 6 by effective annual cost.
| Provider | Effective annual cost | Head-to-head |
|---|---|---|
| CHEIFS | 13.7% | Point vs CHEIFS |
| Hometap | 14.1% | Point vs Hometap |
| Point | 14.3% | This calculator |
| Unison | 14.7% | Point vs Unison |
| Unlock | 15.9% | Point vs Unlock |
| Splitero | 15.9% | Point vs Splitero |
Read the full Point review on HEI Compare, check whether you meet Point's requirements on HEI Offers, or compare all six providers on your numbers.
Frequently asked questions
How much will I owe Point?
It depends on your home's value when you settle. In our example ($750,000 home, $300,000 mortgage, $100,000 investment, 4% yearly growth, settled after 7 years), you'd repay $240,624 for $94,600 received. Enter your own numbers above to see yours.
Does Point cap what I owe?
Yes. Point publishes a cost cap of 18% a year, applied to the investment. In our example at 4% growth, the cap doesn't come into play; it matters most when your home grows fast or you settle early.
When do I have to settle with Point?
Within 30 years of funding, or sooner if you sell or refinance. If you plan to stay longer than 30 years, Point isn't an option for that plan.
Is this calculator from Point?
No. HEI Calculator is independent. We apply Point's published terms, last verified September 23, 2026, to your numbers. Your actual offer is set by Point after underwriting.