: Lenders typically use the lower of the two credit scores to set interest rates. If one partner has poor credit, it might be better for the other to apply alone.
: Agree on how to split monthly costs like the mortgage, taxes, utilities, and maintenance (e.g., 50/50 or proportional to income). 2. Choose the Right Title Structure unmarried couples buying a house
: Explicitly state who provided the down payment and how equity will be split if the home is sold. : Lenders typically use the lower of the
: Both partners own 50%. If one dies, their share automatically goes to the survivor without going through probate. and maintenance (e.g.