My Equity Transition

Build a transition fact file

Compare entered equity scenarios

Removing a person's name from a home title does not, by itself, remove that person's name or responsibility from the mortgage.

Primary source · Verified 2026-09-24

Open the transition map

This tool performs arithmetic on the values you enter. It does not quote a rate, determine eligibility, predict approval, or create an offer of credit. Enter your numbers once below — all sections update together.

Equity position arithmetic

Buyout scenario arithmetic

Retain versus sell arithmetic

Refinance-to-buyout DTI screen

What the calculator reports

$180,000
Net equity
$90,000
Buyout at entered share
$2,500
Retain monthly housing
$170,000
Sell cash after liens & costs
25.0%
Front-end DTI
30.0%
Back-end DTI
333.3%
Loan amount / annual income

Your numbers work. See what you qualify for.

Have your numbers handy — here is a link to this exact scenario.

  • Property value minus entered lien balances and entered estimated transaction costs
  • Only the entered ownership share and its dollar amount
  • Retain monthly housing cost and cash after entered one-time costs
  • Sell-scenario monthly housing cost and estimated sale cash after liens and entered transaction costs
  • Computed front-end and back-end DTI ratios beside the thresholds you entered, without an eligibility verdict
  • Target loan amount as a percentage of entered annual gross income

Questions to take with the results

This information is educational and is not legal, tax, or financial advice. Consult a licensed attorney or tax professional about your situation.

  • Bring the entered share and the decree, settlement, deed, and appraisal to a matrimonial attorney and appraiser; ask which ownership or valuation assumptions need correction before anyone relies on the arithmetic.
  • Bring the retain and sell inputs to a tax professional, title or closing professional, and real estate professional; ask which taxes, liens, costs, and cash items belong in each scenario.
  • Bring the DTI comparison, proposed payment source, income records, and debt records to the lender or underwriter; ask which payment and debt amounts apply to the specific loan program and application.

Continue

Choose the guide that matches the open question.

Open the transition mapOpen the divorce record organizerOpen the successor and servicer questions

Next step

Build a transition fact file

Start with the record organizer, keep entered facts separate from assumptions, and route each unresolved question to the appropriate professional.

Open the transition map

Separate mortgage application

If you are ready to apply for a mortgage

Start my application