Let’s be real. The old narrative said you had to find “the one,” get married, and then maybe buy a home together.
But what if that’s not your path? What if you want to build equity before the wedding or instead of one? What if partnership looks different for you?
Co-buying is flipping the script. And it’s not just an idea. It’s a growing movement.
Why Co-Buying is on the Rise
Home prices are up. Interest rates aren’t playing. And for most people, saving for a traditional down payment feels out of reach.
That’s where co-buying comes in. You team up whether it’s with your sibling, best friend, or even a vetted match from Pairgap and share the costs of homeownership. You split the down payment, mortgage, taxes, and maintenance. You both build equity along the way.
It’s the smartest relationship you might ever have with or without romance.
Who’s Co-Buying?
Here’s the thing. Thirty-five percent of Americans already co-live. Why not co-own?
- Two best friends tired of throwing money at rent
- A single mom and her cousin ready to build legacy
- Siblings pooling resources to buy a two-family home
- Two strangers who match on Pairgap and invest intentionally
Co-buying is for anyone who’s tired of waiting on a partner or tired of waiting, period.
Common Questions
But what if something goes wrong?
We got you. Our tools help you draft a co-ownership agreement (aka a real estate prenup) so expectations are clear from the jump.
Will this mess up my credit or stop me from buying again later?
Nope. You still build your credit, and you can leverage your equity for future solo purchases.
Is this just like being roommates?
Not at all. Co-buyers can choose to live together or just co-invest in the property. It’s flexible. You decide how involved you want to be. This isn’t about sharing a bathroom. It’s about sharing an opportunity.
Real Talk: Why This Matters
Waiting for marriage or struggling alone to qualify for a mortgage keeps too many people locked out of wealth. Co-buying opens the door.
It’s not about settling. It’s about starting on your terms, in your time.
Take the First Step
Curious what co-buying could look like for you? Use our Co-Buyer Calculator to see how your buying power changes with a partner.
You might be closer than you think.
Because the key to your home doesn’t have to come with a ring.
Follow the movement @pairgap
