[quote=FlyerInHi][quote=moneymaker]I think the fair thing would be to recognize that the asset has deprecited 20%, hence so has your down payment. So if bought for 500k and sold for 400k then you both share a loss of 10k each. Now after 5 years your principal is 460k, subtract out 80k which leaves 20k,so wife owes you 10k. P.S.- I’m still in my first marriage so what do I know![/quote]

Where’s the other $80k going to come from?[/quote]

My mistake the principal should be $360k after 5 years, if sold for $400k,subtract out the $80k,which leaves $320k, add back in the $20k that both parties need to bring to the table and you are back at $360k which will pay off the principal.