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Make an offer with no home sale contingency and win the home before your old one even hits the market.
Go straight from your old home into your new one. No rental, no storage unit, no second set of movers.
Your old mortgage payment can be left out of your debt-to-income ratio.
Unlock equity up to 90% of CLTV for the down payment. Nothing is owed until your old home sells.
See how Buy Before You Sell can help when you’re moving up, downsizing, relocating, or buying new construction.
Your down payment is tied up in your current home, so your offer depends on a contingency. Sellers with multiple offers usually pass on these so you pay more to win the home you want.
HomeLight unlocks your equity, up to 90% of CLTV, before you make an offer, so you can remove the selling contingency. You buy and move first, then sell your current home.
You have to move, but your home hasn’t sold. You rent in the new city, keep paying the old mortgage, and try to sell from far away.
HomeLight lets you buy and move into your new home first. Your agent sells your old home – vacant and staged – after you leave. No need to fly back for showings.
Your current mortgage counts against your debt-to-income ratio, so lenders won’t approve a second one. They tell you to sell first, even though most of your wealth is sitting in the house.
HomeLight places a backup offer on your current home, so your lender can leave that payment out of your debt-to-income ratio. You put the unlocked equity toward a large down payment, or buy outright, and move once.
Builders won’t sell you a home with a home sale contingency. Without one, you need your down payment in hand while your equity is still tied up in your current home.
HomeLight unlocks that equity, so you can buy without a contingency. You move into the new home when it’s ready, then sell your old one on your own schedule.
| Your net proceeds | Without HomeLight | With HomeLight |
|---|---|---|
| Home-sale proceeds¹ | $311,652 | $322,372 |
| Down payment & closing costs² | −$176,000 | −$176,000 |
| Transition & moving costs | −$6,600 | −$6,600 |
| Net left after your move | $129,052 | $139,772 |
after program and moving costs
Example assumes a 5% higher sale price when sold vacant and professionally staged. Includes a 2.4% BBYS program fee, an estimated $700 inspection fee and $250 notary/recording fee. Actual results and fees vary.
¹ Home-sale proceeds include mortgage payoff, selling costs, preparation and staging, and the BBYS program fee. Transition costs include carrying your current home until it sells, temporary housing, storage, moving and any temporary financing charges.
² Purchase costs include your down payment and a 2% estimate for buyer closing costs, including prepaids and initial escrow deposits. These are counted once. Ongoing mortgage, property tax, insurance and HOA payments on the new home are excluded from this transaction comparison.
Illustrative examples, not a quote or a prediction. Net amounts exclude existing savings, income, everyday spending and any capital-gains tax. Financing and program eligibility are subject to approval. The building-new example assumes two months until completion and, with HomeLight, sale of the old home one month after moving. Construction delays may add costs; BBYS is not assumed to fund construction or builder deposits.
Staging research: NAR’s 2025 survey found that 19% of sellers’ agents reported offers 1–5% higher for staged homes. The 5% sale-price increase here is an assumption, not a measured BBYS result. Other paths may also allow staging. Read the NAR findings.
Moving up
Your net is what’s left from selling after your down payment, closing costs and the costs of the move. Closing costs include estimated prepaids. Existing savings and ongoing payments on your new home are excluded.
| Without HomeLight | With HomeLight | |
|---|---|---|
| Sell your current home | ||
| Sale price | $650,000 | $682,500 |
| Selling costs | −$39,000 | −$40,950 |
| Mortgage payoff at sale | −$298,348 | −$298,348 |
| Preparation and staging | −$1,000 | −$3,500 |
| BBYS program fee | — | −$16,380 |
| Inspection (estimated) | — | −$700 |
| Notary / recording (estimated) | — | −$250 |
| Net home-sale proceeds | $311,652 | $322,372 |
| Buy your next home | ||
| Purchase price | $800,000 | $800,000 |
| New mortgage funding | $640,000 | $640,000 |
| Cash toward the purchase | −$160,000 | −$160,000 |
| Buyer closing costs & prepaids | −$16,000 | −$16,000 |
| Transition and moving | ||
| Both options include two months of costs on your current home and one move. With HomeLight, you buy and move before selling. | ||
| Old mortgage payments | −$3,400 | −$3,400 |
| Old-home property tax, insurance & HOA | −$1,200 | −$1,200 |
| Temporary housing | — | — |
| Storage | — | — |
| Moving | −$2,000 | −$2,000 |
| Temporary financing interest + fees | — | — |
| Total transition and moving costs | −$6,600 | −$6,600 |
| Your net result | ||
| Net left after your move | $129,052 | $139,772 |
Three steps with HomeLight behind you at each one.
You enter your address and answer a few questions about your home and mortgage.
HomeLight evaluates your home and confirms your Equity Unlock amount, up to 90% of CLTV, up to $2M.
Make a strong offer with no home sale contingency, then close using your Equity Unlock as your down payment and move just once.
HomeLight places a backup offer on your current home, so you can buy with confidence before you sell.
You get time after closing to prep, stage, and list your home vacant with your agent, so you can take the best offer.
HomeLight collects the Equity Unlock repayment and program fee from the proceeds at closing. The rest of your equity, including any upside, is yours.
You keep your agent, your lender, and the full value of your home. You just get your equity sooner.
0% interest, no monthly payments on equity up to 90% of CLTV, up to $2M.Full market value. You sell on the open market and keep the upside.A backup offer on your current home, so you're never stuck with two.
Keep your agent. They sell your home as usual and earn their full commission.Keep your lender. HomeLight Buy Before You Sell works with any conventional mortgage.Proven nationwide. $760M+ unlocked, 28,000+ agents, 47 states."My clients recently became parents and wanted to upgrade to a larger home. They needed the convenience of moving into their new home first. The client was able to transition smoothly, and my team maximized the selling price of their old home through repairs, staging, and selling it unoccupied.”
"By enabling my client to move into their new home before selling their old one, we were able to make the necessary repairs and show the home in an empty and staged condition. We sold their home for $158,000 above the initial asking price.”
"HomeLight's program alleviates the fear of not having a place to live after the sale of your home. It gives you the peace of mind of knowing that you can purchase a home before selling by using some of your equity in advance.”
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