Cobuilty helps families cooperatively finance and build new homes with lower upfront cost and higher equity — powered by AI.
Your equity starts here.
AI-matched cohorts working together
Our platform intelligently matches families based on budget, location, credit profile, and build timeline — forming cooperative groups that can collectively launch construction faster and with lower individual upfront costs.
AI-Optimized Financing & Build Strategy
Cobuilty analyzes thousands of construction-loan scenarios, local land prices, builder costs, and zoning rules to create the most efficient financing path — lowering barriers to entry and maximizing final equity.
Build with Less Capital. Gain More Equity
By combining resources into a shared build cycle, families access developer-style pricing and construction sequencing — resulting in meaningfully higher equity at completion compared to buying a standard builder home.
Cooperative homebuilding powered by AI
Cobuilty organizes cohorts and structures a build sequence that helps families turn smaller savings into stronger ownership outcomes.
Traditional down-payment and lending models are locking families out. Cobuilty is built to change that.
New-construction-to-perm loans often require 20%–25% down, making it much harder for families to build instead of just buy.
Buying a finished builder home often means starting with minimal equity and little room to leverage your property.
Construction financing is complex, slow, and often reserved for developers with strong balance sheets and high credit.
Families who could co-invest and build together have no structured, modern way to do it safely and transparently.
Pool capital with other families, access construction financing, and unlock opportunities unavailable on your own.
Families combine smaller individual contributions into a shared pool, unlocking construction-loan structures usually reserved for developers.
By sharing the equity requirement across the cohort, each family can start with roughly $20–40k instead of a full 20% down payment alone.
Cobuilty uses a shared down-payment pool and rolls equity from one completed stage to the next, so each family ends up with a much higher equity stake in their own home.
Share your dream home location and goals.
AI matches you with compatible families based on budget, timeline, and goals.
Each family contributes about $20–40k into the shared down-payment pool.
Trusted builders construct the homes in sequence using the shared equity pool.
Each family refinances into a traditional mortgage and receives their own home.
Equity rolled forward through the build cycle leaves each family with a much stronger final equity position.
A smarter path to homeownership powered by collaborative financing and AI.
Intelligent analysis of land, builders, and financing creates the most cost-efficient, equity-maximizing build sequence.
A shared down-payment pool fuels multiple builds, rolling equity forward and giving families 40%+ ownership at completion.
Licensed builders handle permitting, inspections, and efficient construction — ensuring predictable timelines and high quality.
Our early-access platform is designed for the people who want to build, not just buy — and for partners who help make cooperative homebuilding possible.
Households who want to turn limited savings into high-equity homeownership by joining a small cohort and using construction financing together, instead of buying a standard builder home alone.
Contractors who want a steady pipeline of pre-organized clients, clearer construction-loan structures, and a platform that handles cohort formation, expectations, and high-level project coordination.
Construction lenders, private capital, and impact investors seeking rigorously structured projects with shared equity, disciplined draw schedules, and transparent risk management.
Cobuilty is currently onboarding early families, builders, and lending partners in select U.S. markets. If you want to help shape the next generation of cooperative homebuilding, we’d love to hear from you.
Get answers to common questions about cooperative homebuilding.
Join our early-access list and be the first to build cooperatively in your state.
