HOUSEPIECE — HOME EQUITY DUE DILIGENCE WORKSHEET
Published October 5, 2026 | https://housepiece.org/learn
Educational questions. Not legal advice, a contract review, or a financing offer.

1. THE CASH FLOWS
Gross advance: __________  All upfront fees: __________
Net usable cash: __________  Final settlement date: __________
Request settlement amounts for years 2, 5, and 10 under lower, flat, and higher home values.
Ask which fees and intervening payments the examples omit.
Tool: https://housepiece.org/tools/home-equity-contract-calculator

2. THE CLAIM
I receive/pay ___ percent of ___ after ___ has been paid at ___ date/event.
Does the amount include repayment of contributed capital?
Which document defines the formula? Which record identifies the holder?
Which party can add debt, issue new interests, or force a sale?

3. THE EXIT
Mortgage payoff + agreement settlement + closing costs = total funding need.
Available cash/financing: __________  Shortfall: __________
What happens if refinancing is unavailable?
Who supplies a binding payoff statement and arranges any lien release?
List early triggers, notice requirements, cure periods, and dispute procedures.

4. RENOVATIONS
Project cost is not automatically market value added or an allowed contract credit.
Who approves work? What evidence is required before work begins?
Who estimates value attributable to the work? Who pays for the valuation?
How do improvement credits interact with minimum settlements and falling prices?

5. LIQUIDITY & CONTINUITY
Separate permission to transfer, willing buyers, executable prices, and settled cash.
Who funds a redemption? Can it pause? What are the fees and restrictions?
If the platform disappears, who services the claim and maintains owner records?
Can I retain my executed documents and contact the legal obligor independently?

Use these questions with the actual documents and appropriately qualified advisers.
All Housepiece property listings and calculations are currently illustrative.