Your numbers
Estimates update as you type. Nothing here is saved or sent anywhere.
Use a recent appraisal or agreed-upon value, if you have one.
Usually 50/50, but adjust if your settlement specifies a different split.
You're keeping it
Your spouse is keeping it
Refinance to pay the buyout
% of loan
Exact amount
Typically 2%–4% of the new loan amount. Adjust based on your lender's estimate.
Buyout owed to departing spouse
$0
Home value$0
Mortgage balance−$0
Other liens−$0
Home equity$0
New loan needed to stay
Payoff existing mortgage + liens$0
Buyout to departing spouse$0
Refinance closing costs$0
New loan amount$0
New loan-to-value (LTV)0%
Let's talk through the refinance
I can run actual rate and payment scenarios, and explain how lenders treat the spouse who's keeping the home when it comes to debt-to-income.
This calculator provides a general estimate for planning purposes only and is not a loan offer, pre-qualification, or legal or tax advice. It does not account for your specific credit, income, debt-to-income ratio, or program-specific underwriting guidelines (for example, Fannie Mae/Freddie Mac requirements around excluding a departing spouse's housing payment from DTI, which generally require 12 months of payment history from the non-occupying spouse). Actual loan terms, closing costs, and buyout structure should be confirmed with a licensed loan officer and reviewed with a family law attorney or divorce financial specialist before finalizing any settlement.