This is no different than if you were together. You have the same problems and issues as if you were together (divorce just makes it more difficult). The mortgage company expects both of you to pay. If there is a deficiency judgment because of a line of credit, the creditor will look to both of you to pay, no matter what your divorce agreement says. Decide who pays for repairs during the dissolution, who should sell and how long they have to sell. If one party agrees to buy out the other party, you need to agree when you appraise the house.