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Real Estate & Divorce

House Buyout Calculator

Buying out a co-owner of a house means knowing the true equity. This calculator subtracts the mortgage and refinance costs from the appraised value so you can offer a fair price, whether you are buying out a sibling, a friend, or a spouse.

Tell us about it

in $ USD
$450,000.00
$
$200,000.00
$
$5,000.00
$
50%
50%
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Estimated Buyout

$122,500.00
50% keep50% depart

In plain English

The home appraises at $450,000.00. With a $200,000.00 mortgage and $5,000.00 in refi costs, the remaining equity comes to $245,000.00. The departing 50% owner is owed $122,500.00.

How we got there+
Total equity$245,000.00
Departing share50%
Buyout owed$122,500.00

Estimates only, not legal or financial advice. Double-check figures with a qualified professional.

How we got there

— House Buyout Calculator

Methodology reviewed: August 17, 2026 · Source: Consumer Financial Protection Bureau — What is a home equity loan?

Frequently asked questions

Q.How do I find the appraised value of my house?▾
Hire a licensed appraiser, or check recent sale prices of similar homes in your area for a rough estimate.
Q.What costs are deducted from the home value?▾
The outstanding mortgage balance and any refinance or closing costs you enter. These are subtracted before calculating the buyout.
Q.Can I use this if we own the house outright?▾
Yes. Enter zero for the mortgage and closing costs. The full appraised value is the equity to be split.
Q.What if one owner made all the mortgage payments?▾
The calculator uses ownership share, not payment history. If one person paid more, you may need to adjust the share or handle that separately.
Q.Does this account for home improvements?▾
Not directly. Improvements that increase the appraised value are captured in the home value. But if one person paid for improvements, that may warrant a separate adjustment.
Q.Can I use this for a house buyout in a divorce?▾
Yes. A house buyout in a divorce works the same way as any other co-owner buyout: appraised value minus mortgage and closing costs, split by ownership share. A family law attorney should still review the final settlement.

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