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Quick answer — divorce house buyout
To buy out a spouse from the house, start with net equity: value minus mortgage. Demo: $500,000 home − $300,000 loan = $200,000 equity. At 50/50, spouse equity ≈ $100,000 (buyout field $100,000). Refinance for $400,000 → about $2,528/mo P&I at 6.5% (80% LTV). Educational — not legal advice.
Free home equity divorce calculator and mortgage buyout calculator — equity split, spousal buyout, and refinance payment. See rent vs sell and borrowing power.
Last updated October 9, 2026. Consult an attorney for your decree and a lender for qualification.
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Property type can affect loan programs and taxes — verify with your lender and CPA.
Appraisal or agreed marital value from your settlement.
Payoff balance on the existing joint mortgage.
Your share of net equity after the mortgage (often 50/50).
Cash to the departing spouse — often equals their equity share; may differ if negotiated.
Rate on the new sole-owner mortgage or cash-out refinance.
Total Home Equity
$200,000
Your Equity:
$100,000
Spouse's Equity:
$100,000
New loan amount (payoff + buyout)
$400,000
New Monthly Payment
$2,528.27
Total Interest:
$510,177.95
Total Cost:
$910,177.95
Loan-to-Value Ratio:
80%
Below 80% LTV threshold
Divorce buyout tips
Not legal or tax advice
State property division rules, QDROs, and transfer tax treatment vary. Work with a family law attorney and mortgage lender.
Assumes mortgage = 60% of value, 6.5% rate, 30-year term. Closing costs not included.
| Home value | Mortgage | Equity | Buyout | New loan | Payment/mo | LTV |
|---|---|---|---|---|---|---|
| $400,000 | $240,000 | $160,000 | $80,000 | $320,000 | $2,023 | 80.0% |
| $500,000 | $300,000 | $200,000 | $100,000 | $400,000 | $2,528 | 80.0% |
| $600,000 | $360,000 | $240,000 | $120,000 | $480,000 | $3,034 | 80.0% |
| $750,000 | $450,000 | $300,000 | $150,000 | $600,000 | $3,792 | 80.0% |
Buyout equals the departing spouse’s equity share. Payment at 6.5% / 30 years.
| Your / spouse % | Your equity | Spouse equity (buyout) | Payment/mo | LTV |
|---|---|---|---|---|
| 50% / 50% | $100,000 | $100,000 | $2,528 | 80.0% |
| 60% / 40% | $120,000 | $80,000 | $2,402 | 76.0% |
| 70% / 30% | $140,000 | $60,000 | $2,275 | 72.0% |
$500,000 home, $300,000 mortgage, 50/50 split:
Total equity
$200,000
Buyout
$100,000
Monthly P&I
$2,528
LTV
80%
This house buyout divorce calculator separates equity division from refinance math. First you determine net equity and each spouse’s share; then you model paying the buyout by rolling it into a new mortgage balance and amortizing the payment — the same structure many refinance divorce buyout scenarios use.
Total equity = Home value − Mortgage payoff
Spouse equity = Total equity × (100% − your %)
New loan ≈ Payoff + Buyout amount
Monthly P&I = standard fixed-rate amortization on new loan
LTV = New loan ÷ Home value
Demo check: equity $200,000, buyout $100,000, new loan $400,000, payment $2,528, lifetime interest about $510,178 over 30 years.
Compare keeping the home with rent vs sell or mortgage recast.
Get Custom Calculator for Your PlatformResult: $2,844/month · $1,023,950 total paid on loan
LTV at or below 80% in this scenario.
50/50 · $100,000 buyout
$2,528/mo · 80% LTV
From price table row
$2,528/mo · buyout $100,000
Share it with anyone estimating a spousal home buyout.
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