FairBuyout.comReal Estate & Divorce
Home Equity Split Calculator
Co-owners heading in separate directions need to know how much equity they have. This calculator divides home equity based on appraised value, mortgage, and each owner's share.
Tell us about it
in $ USD$700,000.00
$
$400,000.00
$
$10,000.00
$
50%
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Estimated Buyout
$145,000.00
50% keep50% depart
In plain English
The home appraises at $700,000.00. With a $400,000.00 mortgage and $10,000.00 in refi costs, the remaining equity comes to $290,000.00. The departing 50% owner is owed $145,000.00.
How we got there+
| Total equity | $290,000.00 |
| Departing share | 50% |
| Buyout owed | $145,000.00 |
Estimates only, not legal or financial advice. Double-check figures with a qualified professional.
How we got there
— Home Equity Split CalculatorMethodology reviewed: August 17, 2026 · Source: Consumer Financial Protection Bureau — What is a home equity loan?
Frequently asked questions
Q.How do you calculate home equity?▾
Home equity is the appraised value minus the outstanding mortgage and any closing or refinance costs. The calculator does this automatically.
Q.What if we own unequal shares?▾
Set the departing party's equity share to match the ownership split. If one owns 60% and the other 40%, enter 40% as the departing share.
Q.Can this be used for inherited property?▾
Yes. If siblings inherited a house together, this calculator can help one buy out the others based on their ownership shares.
Q.What about a house bought with a friend?▾
The calculator works for any co-ownership situation. Enter the value, mortgage, and each person's share to get the buyout.
Q.Does this include the cost of selling?▾
Not unless you enter it as a closing cost. If you are comparing a buyout to a sale, factor in agent commissions separately.
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