🏡 You Could Use Some of Your Equity To Give Your Children the Gift of Home

If you’re a homeowner in Sacramento, Yolo, Placer, or El Dorado County, chances are your home has appreciated significantly over the past few years. That growth in home value — known as equity — isn’t just a number on paper. It’s a real opportunity to create generational impact.

Why Home Equity Matters More Than Ever

With home prices rising and mortgage rates remaining elevated, affordability continues to be one of the biggest challenges for first-time homebuyers — even those with solid income and savings. That’s where your equity can make all the difference.

According to Cotality (formerly CoreLogic), the average U.S. homeowner with a mortgage now has $311,000 in home equity. That’s significant. And increasingly, homeowners in areas like Sacramento, Roseville, Davis, Folsom, and El Dorado Hills are tapping into that wealth to help their kids buy their first home.

In fact, Bank of America reports that 49% of Gen Z homebuyers (ages 18–26) received help from their parents with their down payment. That’s not surprising — and while the data doesn’t directly show whether parents used equity to help, it’s likely that many did.

A Powerful Legacy: Giving the Gift of Home

Whether you’ve owned your home for five years or twenty, using some of your equity to support your child’s first home purchase can:

• Reduce or eliminate their down payment burden

• Help them qualify for a better mortgage rate

• Ease the transition into homeownership

• Set them up to build their own equity and wealth

Compare the Market reports that 45% of U.S. buyers who received financial support from parents or grandparents wouldn’t have been able to buy a home otherwise. That’s huge. And it shows the very real impact your help can make.

Sacramento-Area Families Are Already Doing This

We’re seeing more multigenerational financial planning in the region — from Sacramento’s Curtis Park and Midtown neighborhoods to Rocklin, Elk Grove, Woodland, and El Dorado Hills. Families are prioritizing building wealth together, and it often starts with helping the next generation secure a home.

Bottom Line

If you’re sitting on significant equity, you may be closer than you think to helping your children achieve the dream of homeownership — and creating a lasting legacy in the process.

💬 Thinking about it? Talk to your lender or a trusted financial advisor to explore your options. Want local insights and support? Let’s connect — I’m happy to walk you through what this could look like here in the Sacramento region. Here's my phone number: 916-320-9953.