Chapter 21 - Property division

The house was worth approximately $462,000 by then.
Mortgage balance:
$251,000.
Gross equity before costs:
Around $211,000.
My $68,000 separate-source contribution became part of the negotiations.
Christopher disputed full dollar-for-dollar separate treatment after years of marital ownership and appreciation.
Dana had arguments.
His attorney had arguments.
We obtained a neutral valuation.
Eventually we settled rather than ask a judge to decide every tracing issue.
I received credit recognizing most of the documented separate down-payment contribution.
Remaining marital equity was divided under negotiated terms after adjustments for debts and other assets.
Christopher wanted to keep the house.
He could not refinance comfortably while carrying current debt and repayment obligations.
So we sold.
Not as revenge.
Math.
After mortgage payoff, commissions, repairs, and settlement allocations, I received enough to rebuild savings and make a future down payment.
Christopher received his share too.
Florence said I had:
“Taken his house.”
The house belonged to both of us.
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The bank technically had an opinion too.
I stopped arguing with Florence.