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!
