Islamic home financing
Halal home financing, built on Murabaha.
Buy, build or refinance from a conventional mortgage with a fixed total price set at signing. Reviewed by our Resident Advisory Board.
How Murabaha works
- 1Apply and choose your advisor
- 2Choose your home
- 3Barakah buys the home first
- 4You buy it at a fixed price
- 5Title at closing, fixed installments
Estimate your installments
Your illustrative estimate
[Minimum down payment TBD]
Estimated monthly installment
$611.11
Before taxes, insurance and fees
- Amount financed
- $200,000.00
- Disclosed profit
- $20,000.00
- Total sale price
- $220,000.00
- Installments
- 360
- Down payment
- 0.00%
Illustrative estimate only. Not an offer of financing, a quote or a commitment. Actual terms depend on an application, underwriting and Barakah's disclosures. Excludes taxes, insurance and fees.
Reviewed by our Resident Advisory Board
Joe Bradford, CSAACSAA · Shariah Advisor & Auditor
Sheikh Hassan JamaResident Scholar
Shaykh Abdullah AshrafScholar Advisor
[Customer review pending]
Common questions
What is Murabaha home financing?
Murabaha is a cost-plus sale: Barakah buys the home you choose and sells it to you at a fixed total price (cost plus a disclosed profit), paid in monthly installments.
Is Barakah's Murabaha halal?
Our financing is reviewed by our Resident Advisory Board, and both signed fatwas (August 1, 2025 and December 10, 2025) are published in full in our Fatwa center.
Do I own the home at closing?
Yes. Title is in your name at closing, and you pay the fixed sale price in monthly installments.
Which states do you serve?
We serve [Licensed states], starting with Texas. Pick your state on Meet the Team to see advisors licensed there.
How do I apply?
Tap Apply now: one short form, about 5 screens. Pick your Barakah advisor or let our team match you. We'll tell you before any credit check.