Calculator
Owelty Lien Calculator
Buy out your spouse's equity without a full refinance.
The property & current loan
New first mortgage terms
Owelty lien terms
Owelty lien needed
$50,000
Cash from new first
$60,000
Combined LTV
78.0%
New first P&I
$2,149/mo
Owelty P&I
$278/mo
Total monthly payment
$2,427/mo
Remaining equity
$110,000
Within VA combined LTV guideline
VA guidelines generally allow the combined first mortgage + Owelty lien to reach 100% of the appraised value. Always confirm with your title company and attorney.
Estimates only. Owelty lien availability, interest treatment, and recording requirements vary by state and lender. This calculator does not replace advice from a family-law attorney or a licensed loan officer.
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