<prompt> Human: I am 40M going through an amicable divorce with my soon to be Ex wife 38. We are both employed and each make 90K. We have 2 children 13 8 and I will be the primary parent. We have split all of our finances equally accept for our home. We both have over 100K in savings and 401K. We bought the land and were the contractors so saved quite a bit of money going that route. The easiest solution would be to sell the home and split the proceeds, but Id rather stay in the home, as I dont want to add to the stress my kids are having to deal with.Information about the property:Land bought in 2011 40,000Cost to build house 210,000Total: 250,000Mortgage Paid Off in February 2015. All we pay is Utlities, Property Tax, and Insurance.Estimated Worth Today 400,000Here is what I would like to do.Get a home equity line of credit for 125,000 half of our original investment in property and house constructionand give to my wife so that she can use as a down payment on a home. If and when I sell the house we would split the Net Profit minus 250,000.The reason for this is I do not want to give her half of the value now, when the value of the house could go down. I realize that the value will most likely go up, but I do not want that much debt, and I am not a gambler by nature.Is this a good plan? Am I missing something that is going to bite me in the ass later?Also, if anyone has any alternatives to a L.O.C. I am all ears.  <response>: It would be incorrect for her to agree to an arrangement like this where she stays invested in the house to provide some sort of hedge for you. Its also a terrible idea to drag out your entanglement to some undefined point in the future. Thats asking for trouble for your amicable divorce.You should buy her out entirely. Its be nice if shed cut you a discount on the current value for not having to go through the transaction costs and all of that, but the cost of lawyering up over that point will probably cost more than youd save.As for how to get the money, Im unsure why you wouldnt just take out a mortgage on the house. 200k on a 90k salary isnt crazy. 