With the price of homes and rent becoming more expensive, it can be harder than ever to save for a down payment. However, in the case of the Soto family, they were able to meet their 20% down payment with the help of San Francisco based company, Unison. With the family only being able to afford a 10% down payment after the sale of their old home, Unison matched their 10% down payment, making it possible for them to buy a home in Chula Vista.

In exchange for the investment in their down payment, buyers will pay Unison a percentage of the home's future appreciation in value . However, should housing prices fall in the future, the company would share in the loss.

With the help of Unison, the Soto family is currently saving approximately $300 a month on their mortgage payment, as well as an additional $400 now that they don't have to pay mortgage insurance.

For more information about the program, read the full article on the LA Times and the San Diego Union-Tribune websites.