When one spouse keeps the home, the other is usually paid for their share of the equity, often by refinancing. See the buyout, the new loan and the new payment, and compare with selling instead.
Home Tools
Divorce Home Buyout Calculator
See what it could take for one spouse to keep the home: the buyout, a cash-out refinance, the new payment and the income it needs.
Want this as a personal plan?
Send this estimate to Rudy and he will follow up with a personalized version, no pressure.
Talk to a lender. Rates, loan programs and approvals come from lenders, not from websites or real estate agents. Talk to your own mortgage broker, or use our preferred lender, Point Mortgage Corporation (NMLS #231073), at (619) 475-4095. You are always free to choose any lender you like, and you can verify any lender’s license at nmlsconsumeraccess.org.
This is an estimate for planning. It is not a quote, an appraisal, a loan offer, or tax or legal advice, and Rudy is a real estate agent, not a lender or tax professional.
Good to know
- A buyout is usually funded by a refinance in the keeping spouse's name, and the lender reviews that spouse's own income, credit and debts.
- Many cash-out refinances are limited to about 80% of the home's value, which is why a large buyout can call for a different plan or a sale.
- Refinancing is how the leaving spouse comes off the loan. Without it, the leaving spouse generally stays responsible for it.
- The split of equity is whatever the agreement or the court sets; this tool only shows the numbers.
See also the pages on this site about property tax and the divorce home.
More from Rudy
- Home Guides — practical guides, printable checklists and market insight
- All home tools — payment, affordability, rent vs buy, closing costs, refinance and more
- Printable checklists — buying, selling and moving
- Book a 15-minute call — talk it through with Rudy
More calculators
- Is This Listing Priced Fairly? — Compare an asking price with Zillow's typical home values for the ZIP code, see how fast homes are selling there, and get questions to ask.
- Compare Two Homes: The Real Monthly Cost — Put two homes side by side with the payment, taxes, HOA, special taxes, utilities and the cost and time of the commute.
- Down Payment Savings Planner — See when you could have enough saved for the down payment and closing costs, and what to save each month to get there sooner.
- Commute Check — real directions from a home to work or school
- Printable Neighborhood Sheets — a one-page snapshot of any ZIP code