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Calculate a divorce buyout using home value, mortgage, liens, and equity share. See total equity, buyout, remaining equity, and new loan.
A Divorce Buyout calculator helps estimate how much one spouse may pay to keep a home after divorce. It uses the home value, mortgage balance, other liens, and the departing spouse’s equity share. The calculator first finds the home equity. It then applies the spouse’s share to that equity.
Use the calculator above to estimate the divorce buyout, remaining equity, and estimated new loan.
A divorce home buyout happens when one spouse keeps the home and pays the other spouse for their share of the home equity. The buyout can help both spouses understand the value of the departing spouse’s interest.
This calculator uses four inputs. You enter the current home value, mortgage balance, other liens or HELOC, and the departing spouse’s equity share. The result shows the total equity, buyout, remaining equity, and estimated new loan.
The calculator is useful for a quick estimate. A final divorce settlement may use other terms or adjustments.
The calculator follows a simple equity process.
First, it subtracts the mortgage and other liens from the current home value. This gives total home equity.
Next, it changes the spouse’s percentage into a decimal. For example, 50% becomes 0.50.
Then, it multiplies the positive equity by that share. This gives the estimated divorce buyout.
The calculator also checks for negative equity. If the home has negative equity, the buyout is set to $0. The code uses the positive equity value for the buyout and remaining equity.
The calculator also estimates a new loan. It adds the current mortgage balance to the buyout amount.
Total Equity = Home Value − Mortgage Balance − Other Liens
For example:
Home Value = $500,000
Mortgage = $200,000
Other Liens = $20,000
Total Equity = $500,000 − $200,000 − $20,000
Total Equity = $280,000
Equity Share = Percentage ÷ 100
For a 50% share:
Equity Share = 50 ÷ 100
Equity Share = 0.50
Divorce Buyout = max(0, Total Equity) × Equity Share
The max(0, Total Equity) rule means a negative equity amount does not create a negative buyout.
Remaining Equity = max(0, Total Equity) − Divorce Buyout
Estimated New Loan = Mortgage Balance + Divorce Buyout
These formulas match the calculation logic in the calculator code.
The calculator also checks the inputs before it runs the calculation. The home value must be above zero. The mortgage and liens cannot be negative. The equity share must be from 0% to 100%.
Suppose a home has these values:
Home Value = $500,000
Mortgage Balance = $200,000
Other Liens = $20,000
Departing Spouse's Share = 50%
Total Equity = $500,000 − $200,000 − $20,000
Total Equity = $280,000
50% ÷ 100 = 0.50
Divorce Buyout = $280,000 × 0.50
Divorce Buyout = $140,000
Remaining Equity = $280,000 − $140,000
Remaining Equity = $140,000
Estimated New Loan = $200,000 + $140,000
Estimated New Loan = $340,000
So, the estimated divorce buyout is $140,000.
A divorce buyout calculation can save time. It also makes the math easier to follow.
You can use the calculator to:
It can also help both spouses discuss the numbers before getting professional advice.
The main factors in this calculator are the home value, mortgage balance, other liens, and equity share.
A higher home value increases equity. A higher mortgage or lien balance reduces equity. A larger departing spouse share increases the buyout.
For example, a 50% share of $280,000 is $140,000. A 40% share of the same equity is $112,000.
The calculator does not add other divorce settlement adjustments. Items such as separate property claims, credits, selling costs, or other marital assets may affect a real settlement.
Home value = $400,000
Mortgage = $150,000
Liens = $0
Share = 50%
Total Equity = $400,000 − $150,000 = $250,000
Buyout = $250,000 × 0.50 = $125,000
Home value = $600,000
Mortgage = $350,000
Liens = $10,000
Share = 40%
Total Equity = $600,000 − $350,000 − $10,000
Total Equity = $240,000
Buyout = $240,000 × 0.40
Buyout = $96,000
Home value = $300,000
Mortgage = $350,000
Liens = $10,000
Total Equity = $300,000 − $350,000 − $10,000
Total Equity = −$60,000
The calculator uses zero for the buyout calculation. Thus, the calculated buyout is $0. This does not mean the debt disappears. It only reflects how this calculator handles negative equity.
The Divorce Buyout calculator gives a clear estimate of a spouse’s home equity buyout. It subtracts the mortgage and other liens from the home value. It then applies the departing spouse’s equity share.
Remember that the calculator is an estimate. A final divorce agreement may use different terms or adjustments.
A divorce buyout is a payment made when one spouse keeps a jointly owned home and pays the other spouse for their calculated share of the equity.
This calculator first finds home equity. It then multiplies positive equity by the departing spouse’s equity share.
You need the current home value, mortgage balance, other liens or HELOC, and departing spouse’s equity share.
The calculator sets the buyout to $0 when total equity is below zero. It also flags the property as having negative equity.
You can leave the Other Liens / HELOC field blank. The calculator treats a blank value as $0.
The result is exact for the inputs and formulas used by this calculator. However, an actual divorce settlement may use other financial or legal adjustments.
Yes. The calculator accepts an equity share from 0% through 100%. The entered percentage directly affects the buyout.