| Factor | Homeward | Knock |
|---|---|---|
| Structure | Cash-backed offer on new home; departing home sold by seller | Same — bridge loan against departing home equity |
| Up-front fee | 1.9% of new home purchase | 1.25% + monthly carry |
| Carry after 90 days | Included | 0.65% of bridge/month |
| Underwriting | Permissive | Strict (no recent bankruptcy / income docs) |
| States | 40 | 18 |
| Best for | Buyers who need flexibility on timing | Buyers with strong credit and clean income |
| Effective cost | 2.5-4.5% of total transaction | 1.5-3% of total transaction |
You have credit / income issues that traditional lenders flag. You need flexibility on listing your old home.
You have strong credit, clean income, and a current home that will sell fast.
Most comparison content on the internet picks a winner because the writer is incentivized to push you toward one specific affiliate link. We're not. The real answer for most sellers is: get an offer from both, compare the actual numbers on your actual home, and then decide. Five minutes of effort can move your net proceeds by $10,000+.
If you want us to do the legwork — pull both programs (and a third we think you should also consider) on your specific home — request a match here. Free, no lead-selling, no pay-for-placement.
We'll run Homeward, Knock, and one alternative side-by-side on your actual address. ~90 seconds.
Get Matched →