Tool
Equity split.
What the sale nets, and what a split of it looks like. The split itself is decided in your case; this only does the arithmetic.
The short answer
Equity is the sale price minus every loan payoff and the costs of selling. Move the sliders to your own figures. In an Oregon divorce the division of property is decided by agreement or by the court under ORS 107.105, so treat the split here as a what-if, not an answer.
Equity split
What does the sale leave for each of you?
- Spouse A
- Spouse B
- Payoffs and costs
The payoffs and costs are more than the price. Read what happens when you owe more than the house is worth.
An estimate for discussion. The split is decided in your case, by agreement or by the court (ORS 107.105); the starting values are examples, not your costs. Nothing you move here is sent anywhere. Use your own numbers.
How to read the numbers
Start with the price. Use a number from recent sales near you, not a hopeful one: the market analysis I send both of you is built from homes that actually sold. Then add every loan on the house. A home equity line counts, and so does a second mortgage, and the lender’s payoff on closing day includes interest up to that day.
Selling costs are what you agreed in your listing agreement plus the escrow and title charges on your estimate. Prep is whatever the two of you agree to spend before listing, in writing. What is left is the net, and that is the figure your attorneys divide, by agreement or under the “just and proper” standard in ORS 107.105.
Move the split slider to see what different outcomes look like for each of you, then take those numbers to your attorney. If the bar turns into a warning, the house is worth less than what is owed on it: read what if we owe more than the house is worth. Thinking of keeping it? Try keep or sell.
Sources · checked 23 Oct 2026
Ask Larissa
About this tool
Why isn’t the split 50/50 by default in the law?
Oregon divides property in a divorce as is “just and proper in all the circumstances” (ORS 107.105). The law presumes both spouses contributed equally to property acquired during the marriage, but that presumption can be rebutted. How it applies to your house is a question for your attorney.
What should I enter for selling costs?
Use the figure from your own listing agreement and escrow estimate if you have them. Fees are negotiable and set in writing, so there is no standard number. The starting value here is only a placeholder for the arithmetic.
Is the payoff the same as my loan balance?
Not quite. The payoff is what the lender needs to release the loan on the closing date, including interest to that day. Ask your lender for a payoff statement when you get close.
Confidential consult
One conversation, no pressure.
Tell me where things stand. I’ll tell you what the sale could look like for your situation, and what to ask your attorney first.