FairBuyout.comReal Estate & Divorce
Property Buyout Calculator for Divorce
Settling a divorce property buyout starts with knowing the numbers. This calculator takes the home value, mortgage, and closing costs and tells you what the departing spouse is owed.
Tell us about it
in $ USD$640,000.00
$
$350,000.00
$
$9,000.00
$
50%
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Estimated Buyout
$140,500.00
50% keep50% depart
In plain English
The home appraises at $640,000.00. With a $350,000.00 mortgage and $9,000.00 in refi costs, the remaining equity comes to $281,000.00. The departing 50% owner is owed $140,500.00.
How we got there+
| Total equity | $281,000.00 |
| Departing share | 50% |
| Buyout owed | $140,500.00 |
Estimates only, not legal or financial advice. Double-check figures with a qualified professional.
How we got there
— Property Buyout Calculator for DivorceMethodology reviewed: August 17, 2026 · Source: Consumer Financial Protection Bureau — What is a home equity loan?
Frequently asked questions
Q.How do I buy out my spouse's share of the house?▾
Get the home appraised, subtract the mortgage and closing costs, and pay your spouse their share of the equity. You will need to refinance in your name alone.
Q.What if I cannot afford the buyout?▾
You may need to sell the home and split the proceeds. Or you can negotiate a payment plan or offset the buyout with other assets.
Q.Are closing costs split between spouses?▾
That depends on your settlement. The calculator deducts closing costs from the total equity before splitting, which effectively shares the cost.
Q.What if the house was a gift from my spouse's parents?▾
Gift property may be treated differently in divorce. The legal ownership and contribution to the mortgage will matter. Consult a family law attorney.
Q.Can we use the tax assessment instead of an appraisal?▾
Tax assessments are often lower than market value. For a fair buyout, a professional appraisal is more accurate and more likely to hold up in court.
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