Calculator

Owelty Lien Calculator

Buy out your spouse's equity without a full refinance.

The property & current loan

Estimated home value

Appraised value, not tax value.

Current first mortgage balance

Equity owed to departing spouse

The buyout amount from the divorce settlement.

New first mortgage amount

Payoff + any cash taken out for the buyout.

New first mortgage terms

Assumed rate

User-supplied assumption, not a published or offered rate

Term (years)

Owelty lien terms

Owelty interest rate

Set to 0% if the settlement does not charge interest.

Owelty term (years)

Often 10–20 years or a balloon upon sale.

Results

Enter your own assumed interest rate above to see estimated results.

We do not publish or preload rates. Any rate you enter is your own assumption, not a quoted or available rate.

Educational estimate only—not a Loan Estimate, credit decision, commitment to lend, or guarantee. Actual eligibility, rates, fees, payments, and terms may differ.

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