The exit statement, before you sign

What does your family actually get back?

The financial reckoning of a retirement-village purchase usually lands at exit or death — when the family opens the exit statement. Run the numbers now instead. Use any village's own filed terms (they're on every village page).

The village's terms

Entry price (what you pay for the ORA) Deferred Management Fee

% of entry price

DMF accrues over

years (linear)

Your share of any capital gain

% (most villages: 0%)

Assumed annual price growth

% per year

If you live there for

7 years

Your estate receives

—

Deferred fee kept by operator—

Capital gain kept by operator—

Share of your money back—

Information only, using your assumptions. Every village files its real terms in its statutory Disclosure Statement — find the village on the directory and use its actual numbers. Repayment timing, weekly fees after exit, and interest on late repayment also matter: they're on each village page. Not financial or legal advice.

The maths, in plain sight

Deferred fee = entry price × DMF% × min(years ÷ accrual years, 1). Resale value = entry price × (1 + growth)^years. Capital gain kept by the operator = (resale value − entry price) × (100% − your share). Your estate receives = entry price − accrued deferred fee + your share of the gain. Most villages return no capital gain and repay only after the unit re-licenses — the wait is shown on each village page.