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Keeping the house is possible. Make sure the math works.

Price the buyout, size the refinance, and check whether your solo budget can carry the house.

The home

01 / EQUITY
$
$
Equity in the home$0

The buyout

02 / SPLIT
%
%

New loan

03 / REFINANCE
%
30 years

Your budget

04 / INCOME
$
$
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Put a number on keeping the house.

Enter the home value, mortgage balance, your share terms, and your solo income.

Last reviewed: October 2026.

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.