Free calculator · Utah
Can I keep the house?
Keeping the home means two things at once: refinancing the mortgage into your name, and paying your spouse their share of the equity. They are usually the same loan — which is why the number you have to qualify for is bigger than what you owe today.
What happens to the house in a Utah divorce?
There are only three real outcomes, and the right one usually comes down to whether the equity can be moved without selling.
One of you buys the other out
The spouse keeping the home refinances the mortgage into their own name and pays the other their share of the equity — normally as one loan, the existing balance plus the buyout. This is the path the calculator above is for.
You sell and split the proceeds
The simplest outcome and the one that ends the entanglement cleanly. It is also the default when the equity is real on paper but cannot be borrowed against: a cash-out refinance is generally capped at 80% of the home's value, and that ceiling stops more buyouts than income does.
You keep owning it together for a while
Sometimes chosen to keep children in a school or to wait out a rate. It works only with genuine cooperation, and it leaves both names on the loan — so it is a delay of the decision rather than the decision.
Does the divorce decree take my spouse off the mortgage?
No. A decree divides ownership between the two of you, but your lender is not a party to it and is not bound by it. Only a refinance or a loan assumption removes someone from the note. Coming off the title and coming off the loan are different things, and people discover the difference years later when the mortgage still shows on their credit.
A decree does not take anyone off the mortgage
Your lender is not a party to your divorce. The decree can say who keeps the house, and both names stay on the loan until somebody refinances or the lender agrees to an assumption. Off title is not off the note — and the order those two happen in matters. divvi writes the decree language that keeps the refinance possible later.
- divvi is not a mortgage lender, mortgage broker, or bank, and does not make loans or issue loan approvals.
- Home Quest Lending is an independent company. You are never required to use them — you may take your loan to any lender you choose.
- divvi is not paid a fee for referring you to Home Quest Lending.
- Every payment, rate and eligibility figure on this page is an estimate for planning, not a loan offer, quote, or commitment to lend. Only a lender can tell you what you qualify for, after a full application and credit review.
Free for uncontested divorces. divvi is a document preparation service, not a law firm or a lender.