Home Down-Payment & Equity Split Calculator
Compare how 3 prenup clauses divide home equity when one partner contributes more of the down payment.
1. Home & Down Payment
2. Payout by Prenup Clause
Est. Equity (7 yrs): $587,935Common questions
How do you protect an unequal down payment on a house in a prenup?
The most balanced clause is Model 1 ("Down Payment Credited First + Shared Growth"): each partner is guaranteed their initial pre-marital down payment back off the top if the home is sold or divided, and any net appreciation above that baseline is split 50/50.
What happens to an unequal down payment if we buy a home together without a prenup?
When both partners’ names go onto a joint deed and mortgage without a written agreement, many state courts presume the higher down payment was a gift to the marriage, splitting the entire equity 50/50 even if one partner contributed far more.
When does a Pro-Rata ownership split make more sense than 50/50 appreciation?
A strict Pro-Rata split (Model 2) is often chosen when one partner funds both the majority of the down payment and the majority of ongoing monthly mortgage and renovation payments.
Agree on your prenup before hiring lawyers.
Answer guided prompts privately, see where you match, and hand your attorneys an agreed brief.
Vespera is a pre-lawyer financial alignment workspace, not a law firm, and does not provide legal advice or draft binding contracts.