Finally afford the home you want
We cover up to 50% of your mortgage, down payment, and monthlies. You buy the house, we buy the land — and buy it back when you're ready.
Save on downpayment & mortgage
Less out of pocket costs
Keep control, sell anytime
"By separating the cost of the land from the home itself, Cedar lowers the financial barriers that have made homeownership out of reach."
"Half the monthly costs on mortgage debt and interest to help keep more money in buyers’ pockets."
"Cedar purchases land beneath homes, thereby reducing upfront costs and financial barriers for homebuyers."
Buying a home shouldn't feel impossible. You deserve better than high costs and rigid requirements. With Cedar's leasehold model, you can finally afford the home you want.
Easy closings
Smaller down payment
Lower monthly payments
Buy the house. Lease the land. Keep control of everything.
More money in your pocket
Move into your dream home faster with less upfront cost and lower monthly payments
Slash upfront costs
Reduce your down payment or mortage debt by 20-50%, making it easier to buy a home
Lower monthly payments
Enjoy lower monthly mortgage payments, keeping more money in your pocket each month
Save on taxes
Deduct property taxes and mortgage interest to save on taxes
Less stress, more certainty
Buy on your terms.
Higher odds of approval
Cedar's support helps you get approved for a mortgage and successfully close on your home
Customize your solution
Choose your down payment, monthly payments, and savings
Buy with less debt
Cedar improves your debt-to-income ratio so you're more attractive to lenders
Put your money where it matters
Maximize your financial growth by keeping more money invested or in savings.
Keep your money invested
A smaller down payment means you can keep more money invested at a higher rate of return
Build home equity sooner
Gain home equity while your other investments grow.
Save more each month
Lower monthly payments mean you have more leftover to invest in your retirement or other goals
Control & flexibility at every step
Easily extend, transfer or sell your home when you're ready.
Sell whenever you want
Sell the leasehold or the full property at any time. No special permission needed.
Keep it in the family
Easily pass the home to your children. They get all the same rights you do.
Buy the land whenever
You, the homeowner, are contractually guaranteed the right to recombine the home and the land, whenever you'd like.
Lower costs
When you buy the home, Cedar buys the land, lowering the initial cost
Smaller Mortgage
Mortgage debt is expensive. The less you have, the better off you are.
Flexible structure
Use Cedar to adjust your down payment and monthly payments as you need
Buy the land anytime
Buy the land later if you choose.
Easier loan approval
Cedar makes it easier to get a mortgage and, in some cases, avoid high-interest jumbo loans
Stable payments
Payments are adjusted only yearly using a transparent, inflation-linked formula, reducing financial stress
Tax savings
Deduct property taxes and mortgage interest from your taxable income
Keep investments
Keep more money invested, earning a higher return than real estate
Build equity
Own your home to build equity, and enjoy the benefits of homeownership
Clear terms
No hidden fees or surprises. Straightforward pricing for buying back the land
Long-term security
Stable ground rent and the option to transfer the lease to future buyers or buy the land later
Easy to Sell
You can sell your home as a leasehold or combine to a regular "fee simple."
A Better Path to Homeownership
A Cedar Leasehold helps you buy your home with less upfront cost and lower monthly payments, allowing you to achieve your homeownership dreams faster.
Find a home you love
Explore freely knowing that Cedar is here to help with the downpayment and mortgage.
Buy with Cedar
Start the pre-approval process with a Cedar preferred lender
Submit an offer
You buy the home and Cedar pays cash upfront for the land
Enjoy it as long as you want
Pay ground rent to Cedar at a much lower rate than a mortgage for the land would cost
Enjoy full use of the home
Sell it (or don't)
Sell the home or the whole property whenever you want
Purchase the land from Cedar whenever you want
The Cedar Difference
See how Cedar compares to other alternatives
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*So long as changes / rebuild is of equal or greater value to existing structures.
Clear & simple terms
Written by normal people for normal people
