Separate a price dispute from a refusal to sell
If your co-owner would consider a sale or buyout at another price, propose an approach to valuing the house. If the objection is affordability, ask whether the person hoping to stay has spoken to a lender.
An objection to moving or selling at all needs a different discussion. Repeating an equity calculation will not answer it.
Make a sale or buyout offer that can be reviewed
Set out the value, secured debt, proposed split and expected costs. State the proposed timetable and any conditions, such as obtaining finance. Identify missing evidence rather than calling the offer final.
The sample property settlement report shows how accepted and unresolved entries can be recorded together. It is a discussion record, not a legal notice or a requirement for the other owner to respond.
Ask for a response to the point that is blocking progress: the valuation, the amount, the funding date or the decision to sell. A practical reply might be a different valuation method or a revised timetable. Silence is not acceptance, and an invitation to a dossier cannot compel participation.
Get advice on the options where the property is located
If there is no agreement about selling, take the title, loan documents, existing agreements and any relevant orders to a local property or family lawyer. Ask which process applies, what it may cost and what evidence it requires. Procedures described as partition or an order for sale vary by jurisdiction.
Divorce proceedings and disputes between unmarried co-owners should not be treated as the same process. This guide cannot determine whether a court would order a sale in your circumstances.
Choose a suitable channel for the next discussion
Where both people are willing to negotiate, a buyout and sale cost comparison can clarify the practical alternatives. Keep an unaccepted offer marked as unresolved.
If communication is unsafe or controlled, direct negotiation or a shared workspace may be unsuitable. Use a professional channel rather than asking the other person to participate in the tool.