Educational planning tool · Defaults are fictional examples.

Divorce & Co-Owned · Free calculator

Co-Owned Home Buyout Scenario Calculator

Explore an entered equity split and two hypothetical loan arrangements. The result does not establish rights, an amount owed, availability or loan approval.

Accessible chart data

The numbers behind it

Calculation summary and chart data

What this means

Notes based on your numbers

Compare other assets with the home share

Equity balance · visual add-on

Could other assets balance a buyout?

Some couples offset a home buyout with other assets instead of all cash. Home figures are linked to the calculator above. Add the net values of assets being discussed and watch the scale. It's a comparison picture, not a settlement.

Before-tax figures

1 · Linked home figures

Change these figures in Your numbers above. This comparison uses the same equity adjustment and ownership share.

Home value estimate

From an appraisal or a qualified estimate both sides accept.

Loan balance(s)

Mortgage plus any home equity loan or line.

Deduct sale-type costs?

Optional. Some agreements subtract what a sale would have cost; ask your attorney whether that applies.

Leaving spouse's share of equity

Set by your agreement or court order, not by this tool.

2 · Assets offered instead of cash

Enter current net values after any related loans. These start at zero.

3 · The balance

Leaving spouse's home share$0of $0 equity

Offsets counted$0before tax

Cash still needed to balance$0

The part of the home share not covered by the assets listed.

Educational comparison only. It doesn't decide how property is divided, what is fair, or whether a lender will approve the person keeping the home. Retirement transfers usually need specific paperwork and can carry taxes or penalties. Confirm everything with your attorney, a tax professional and the lender.

Keep a copy of these results

This calculator does not save your inputs. Print or save a PDF before you leave the page.

Continue planning

Your next planning step

A scenario is a conversation starter, not a settlement. Each product page explains its contents and formats.

01Free guide

Check what's possible before promising

What to confirm before offering or accepting a buyout of a shared home.

Read the guide →

02Free guide

The deed is not the mortgage

Why leaving the home or the title does not settle who owes the loan.

Read the guide →

03Free tool

Track shared costs meanwhile

Record who pays the mortgage, taxes, insurance and repairs while the decision is open, in the Shared Expenses planner.

Open the planner →

04Workbooks

Co-owned home resources

Buyout and equity calculator, decision tracker and sale coordination workbook.

Browse resources →

Read before relying on it

What this estimate leaves out

Ownership rights, the amount owed or a settlement
Whether the current loan can be kept, assumed or released
Loan approval or any qualification threshold
Court orders, title transfers and occupancy
Mortgage insurance, taxes and later rate changes

A title transfer or divorce decree does not by itself remove a borrower from the mortgage. Get independent legal advice.

General education and scenario arithmetic only, not legal, tax, financial, lending, valuation, engineering or investment advice. Requirements depend on jurisdiction, documents and circumstances. Confirm figures and consequential decisions with appropriately qualified local professionals. These tools do not determine qualification, entitlement, feasibility or approval. Property-specific decisions require professional advice. Calculator inputs are not submitted or retained by this calculator. External font requests may still occur; website hosting and analytics have separate privacy practices. Title, loan liability, occupancy and division of property are separate questions. Follow applicable court orders and obtain independent advice; use safe professional communication where direct contact is inappropriate.

RealtyListingCo.com A little preparation. A clearer way forward.

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