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  • Writer's pictureKristi Neal

Navigating Divorce: What Happens To Your House?

Updated: Feb 17

A large, two-story white house with a black shingle roof, chimney, covered porch, front lawn, and asphalt driveway.

Divorce is a challenging and emotionally charged process that often involves the division of assets, including one of the most valuable and emotionally laden assets: the family home. Children, in particular, can form strong attachments to the family home, making decisions about its future all the more challenging.

Exploring your options: During divorce proceedings, there are several options available for addressing the family home:

Acquiring your spouse's share: If you want to retain ownership of the house, one option to explore is acquiring your spouse's portion. This typically entails refinancing the mortgage to secure the necessary funds for purchasing your spouse's equity stake and transferring sole ownership of the property to yourself. While this option may seem attractive, it may not always be viable due to factors such as financial constraints that could affect your ability to make an all-cash purchase or obtain a mortgage.

Selling the house: If a buyout isn't financially feasible for either party, or if both individuals prefer a clean break, selling the house and dividing the proceeds might be the most prudent course of action. This approach can provide both spouses with a fresh beginning, both in terms of their finances and their emotional well-being, as they embark on separate paths.

Deferred sale: In certain situations, it might be financially prudent or emotionally necessary to co-own the house for a specific period post-divorce. This is often considered when children are involved, ensuring they have stability in their living environment.

Understanding the marital vs. separate property distinction

If the family home is categorized as separate property belonging to one spouse, that spouse typically retains ownership. However, if marital funds were used for mortgage payments, renovations, or maintenance during the marriage, the other spouse might be entitled to a reimbursement claim or a portion of the property's increased value during the marriage. This underscores the importance of proper documentation and legal guidance to accurately evaluate the distribution of marital property.

Final Thoughts

Divorce is a process that involves emotional and financial considerations. As you navigate this challenging journey, it's crucial to weigh your options carefully and consult with legal and real estate professionals who can provide expert guidance. Whether you choose to sell, buy out, co-own, or delay the sale of your house, understanding the intricacies of property division will help you make the best choice for your unique circumstances.

If you're seeking professional advice on selling your home during a divorce, contact Kristi Neal at C&K Properties by phone at 713-858-4595 or by email at

Kristi Neal, Attorney at Law, Mediator, Real Estate Broker. C&K Properties, 520 Post Oak Blvd. Suite 320, Houston, Texas 77027. 713-858-4595,

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