Senior Care Blog | Insights and Advice on Senior Living | Immanuel

How selling your home can fund your retirement living move

Written by COURTNEY BRUMMER-CLARK | Sep 26, 2025 1:24:57 PM

Selling your home is more than a transaction; it’s a strategic financial decision that can shape your retirement lifestyle. If you're considering a move to a retirement community, understanding how your home sale fits into the broader financial picture is essential.

Immanuel’s free online resource, A Guide to Selling Your House, offers practical insights into every stage of the process. 

What to know before you sell:

Community fees and monthly service costs

Most senior living communities, including Immanuel, require a one-time community fee and ongoing monthly service fees. These cover your residence, amenities, and service, so it’s important to factor them into your post-sale budget.

Entrance fee options: Traditional vs. Capital Return

Immanuel’s Signature communities (Deerfield, Grand Lodge, Lakeside, Pacific Springs, and The Landing) offer two entrance fee models:

  • Traditional Plan: Lower upfront cost, ideal for those looking to minimize initial expenses.
  • Capital Return Plan: Returns a portion of your entrance fee to you or your estate, offering long-term financial flexibility.

Not sure which plan fits your goals? Immanuel’s Guide to Selling Your House and Guide to Understanding Entrance Fees break down the differences clearly, helping you make an informed choice.

Using home equity strategically

The proceeds from your home sale can help cover fees and moving costs and even allow you to switch plans later. For example, many Signature community residents start with a Traditional Plan and later transition to a Capital Return Plan as their financial needs evolve.

Expert guidance every step of the way

Immanuel’s Retirement Living Consultants are available to help you explore financing options, timing strategies, and plan how to use your home equity effectively. Whether you sell before, during, or after your move, their support ensures your transition is financially sound.

If you're ready to take the next step toward retirement living, download the complete guide and start planning with clarity and confidence.