An equity payment for real estate is a payment made by a borrower to increase their ownership stake in a property. This can be done by making a down payment on a mortgage, or by paying off a portion of the outstanding mortgage balance. The more equity a borrower has in a property, the lower the risk for the lender, and the better the terms of the loan may be for the borrower.

Equity payment is usually a 10%-20% downpayment of the total amount. It will be spread into 24 months or 36 months terms depending on the seller.