Scaling Pathways to Homeownership

Scaling Pathways to Homeownership is sponsored by Capital One Foundation and Lever for Change. A $25 million open call designed to identify and support bold solutions that expand access to affordable homeownership in the United States. This initiative builds on Capital One's investment in affordable housing through lending, investment, and philanthropy.

Scaling Pathways to Homeownership - Lever for Change Scaling Pathways to Homeownership On October 29, 2025, Capital One, the Capital One Foundation, and Lever for Change announced the launch of Scaling Pathways to Homeownership , a $25 million Open Call designed to identify and support bold solutions that expand access to affordable homeownership in the United States.

Scaling Pathways to Homeownership is part of Capital One’s five-year, $265 billion Community Benefits Plan , developed as part of its acquisition of Discover, that will create affordable housing, enable ready and resilient consumers, grow and sustain small businesses, and invest in community infrastructure.

Rising costs combined with a nationwide shortage of supply have made homeownership increasingly out of reach for millions of individuals and families. Consumers also face critical information gaps and lack real-time, accessible tools to assess their readiness to buy a home, while housing suppliers lack reliable demand data needed for planning.

Strengthening this feedback loop can help unlock new solutions and partnerships that expand pathways to homeownership. Scaling Pathways to Homeownership seeks to surface and invest in solutions at a local and national level that respond to these urgent challenges by ensuring that more people can achieve sustainable homeownership including shared home equity models without sacrificing their financial well-being.

The Open Call process has been designed to be fair, open, and transparent. Scaling Pathways to Homeownership is open to organizations based and working in the United States or U.S. Territories. Competitive applications will present solutions that are innovative, impactful, bridge-building, and durable.

After applications are submitted, they will undergo Administrative Review to confirm basic eligibility, followed by Participatory Review by other applicants. During the Participatory Review process, applicants will score and provide feedback on each other’s proposals using our established criteria outlined in the evaluation rubric. An evaluation panel of external experts will then review and score submissions using the same criteria.

Ten finalists will be selected through the Scaling Pathways to Homeownership Open Call, with each receiving $200,000 in initial funding from the Capital One Foundation and technical assistance to strengthen their proposals.

All finalist proposals will be added to our network , which offers ongoing learning and networking opportunities to expand the impact of their work, raise their visibility, and increase their potential to secure funding. After revisions, five awardees — selected in early 2027 and awarded in spring 2027 — will each receive an additional $4. 6 million to bring their solutions to life.

Interested organizations are invited to visit homeownership. leverforchange. org for more information and to take the Organization Readiness Tool assessment to determine their eligibility.

Capital One, Capital One Foundation, and Lever for Change Announce $25M Open Call to Expand Pathways to Homeownership Chicago, IL, October 29, 2025 – Today, Capital One, the Capital One Foundation, and Lever for Change announced the launch of Scaling Pathways to Homeownership , a $25 million Open Call designed to identify and support bold solutions that expand access to affordable homeownership in the United States.

Capital One Financial Corporation Capital One Financial Corporation (www. capitalone. com) is a financial holding company which, along with its subsidiaries, had $468.

8 billion in deposits and… Learn more about Capital One Application Deadline (extended from January 29, 2026) Determine whether your organization is ready to submit. Learn more about our evaluation rubric and process. Learn about why your application matters beyond the open call.

See the members participating in the Evaluation Panel.