How it works.

Sum of the Whole provides you with a lump sum of cash in exchange for a share of your home's future appreciation or depreciation; we share in the gain as well as in any loss. There is no change to the home's title or deed, it is your home. We simply partner with you as the value increases or decreases.


Here's the math.

Sum financing example.

Sum financing example

$100,000 Sum Financing

Let's say you requested and received $100,000 from Sum of the Whole. In return, we share in 25% of your home's future change in value. (Sum's share is determined during underwriting)

No required monthly payments and no change to your debt burden.

We share in 25% of the increase or decrease of the value of your home.

Buy us out at anytime,
up until the 10th year.


Future home values.

Three possible outcomes.

Three possible outcomes.

Let's say that after 7 years you decide to pay Sum and end the partnership. There are three possible outcomes: the home value has either increased, decreased, or stayed the same as it was 7 years ago. Depending on that outcome, your payment to Sum would be different. Below are the details of each situation.

The home's value has increased by 20% after 7 years


Future home value = $1,200,000
Your share = $1,032,500
Sum's share = $177,500
Effective Rate % = 9%

A higher rate than traditional financing, but without the burden of monthly payments nor an impact on your debt.
The home's value has decreased by 20% after 7 years


Future home value = $800,000
Your share = $725,000
Sum's share = $75,000
Effective Rate % = -3.6%

We share in the loss and the effective rate falls below 0%.
The home's value has remained the same after 7 years


Future home value = $1,000,000
Your share = $875,000
Sum's share = $125,000
Effective Rate % = 3.7%

Your home value remains unchanged, the effective rate is below market offerings.

No monthly payments. No interest rates.
No more debt.

Check to see if Sum is right for you.

Get Started

Applying will not affect your credit score.