Buyout calculator

Keeping the house? See the buyout.

When one person wants to keep the home, the big question is what's fair. This shows a starting number everyone can look at.

Calculator

Keeping the house? Buyout calculator

If one person keeps the home, this shows about how much they would pay the others for their share.

Home value (get a free home value from Angela)$ Loan balance $ Share being bought out (50% for 2 equal owners, 66.7% if you buy out 2 of 3)% Take off selling costs? (some families take off 5-8% because no sale happens)%

Home value

Loan balance

Selling costs taken off

Equity (what the home is worth to the owners)

About the buyout amount

Need a loan to pay it? Our lending side can help. Home loan options

This is a rough estimate to help you plan. It is not a quote, an appraisal or tax advice. Angela can give you real numbers for your home.

Understand your numbers

How the buyout works

Home value

Start with what the home would sell for today. Everyone should agree on this number, so get a written value.

Loan balance

What is still owed on the home. The person keeping the house usually takes over the loan or refinances it.

Equity

Value minus the loan. This is what the home is really worth to the owners.

The part of the equity that belongs to the people being bought out. Two equal owners means 50%.

Selling costs

Some families take 5 to 8% off because no agent or escrow fees are paid on a sale. Others don’t. It’s something to agree on together.

Tips

Good to know

Agree on the value first

Most fights are about the home's value, not the math. A neutral, written price opinion helps everyone start from the same place.

Line up the loan early

The person keeping the home often needs a new loan to pay the others. Check what you qualify for before you agree on a date.

Put it in writing

Write down the value, the shares and the date. For a divorce, your attorneys will put it in the settlement.

Questions

Questions people ask

How do I pay for a buyout?

Most people use a cash-out refinance or a new loan. Our lending side can show you the options.

What if we can't agree on the value?

Get a written price opinion from a neutral agent, or an appraisal. Seeing real sales nearby usually settles it.

Do property taxes change after a family buyout?

They can. California changed the rules for homes passed from parents to children in 2021 (Prop 19). Please ask a CPA or tax attorney before you decide.

Can Angela help both sides?

Yes. In a family or divorce buyout, Angela stays neutral and gives everyone the same facts.

Talk to Angela

Need a fair value everyone can trust?

Angela gives one clear home value, in writing, that the whole family or both spouses can see. And if you need a loan for the buyout, we can help with that too.

More free tools

Not sure where to start?

Call Angela. No pressure and no cost to talk. Just honest answers about your home and your options.