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Honestly- He could be suffering from some kind of mental issues, like bipolar or borderline personality disorder. It’s very easy to go from Jeckyl to Hyde and back again. If you’re seeing this pattern a lot, maybe unfortunately it’s time to close this chapter before it starts hurting more and more.
Just to make this easy, I'll use made up numbers. Say the house cost $100K, they put $20k down, and $5k of their mortgage payments so far have gone towards principle. That means there's $75k in debt left so there would be $25k of equity. If OP had paid 70% of the mortgage and down payments (and I guess closing costs, maintenance, and utilities if we're being fair), then a fair buyout would be $17.5k
However, if in the time since purchase the value of the house went down to $90k, then they still have $75k of debt but would only have $15k of equity and OP should only get $10.5k. If the price had gone up, their equity would have increased and the calculations would flip.
Honestly- He could be suffering from some kind of mental issues, like bipolar or borderline personality disorder. It’s very easy to go from Jeckyl to Hyde and back again. If you’re seeing this pattern a lot, maybe unfortunately it’s time to close this chapter before it starts hurting more and more.
I see your logic and I completely agree… That’s where we seem to be stuck, unfortunately.
Equity is the house's value minus any debt.
Just to make this easy, I'll use made up numbers. Say the house cost $100K, they put $20k down, and $5k of their mortgage payments so far have gone towards principle. That means there's $75k in debt left so there would be $25k of equity. If OP had paid 70% of the mortgage and down payments (and I guess closing costs, maintenance, and utilities if we're being fair), then a fair buyout would be $17.5k
However, if in the time since purchase the value of the house went down to $90k, then they still have $75k of debt but would only have $15k of equity and OP should only get $10.5k. If the price had gone up, their equity would have increased and the calculations would flip.
I think you are allowed your beliefs and that you two aren’t compatible.