different size down payments-splitting house sale proceeds -- VA
My (former) girlfriend and I are joint owners of a house in VA. I made a much larger down payment, but the title/deed does not specify unequal ownership. The relationship is now so unpleasant that I want to sell it, probably at a loss. How will the (losing) sale proceeds be split between us, assuming the following hypothetical amounts?
Purchase price: $500,000
Her total payments: $50,000, unspecified as to closing vs. down payment
My total payments: $150,000 down payment, $10,000 closing costs at purchase
Improvements: Her=$30,000
Other: I paid $4000 toward her half of the mortgage when she couldn't make the payments.
Sale price: $410,000
Mortgage balance: $290,000
Sales commission: $20,000
Net check to us: $100,000
If, after paying off the mortgage and the sales commission, we receive a check for $100,000, how will it be split?
The best case answer might be a formula for distributing the proceeds, or a link or reference to a formula. Second best would be a general discussion that mentions how each of the variables specified above is typically handled. I need to know
1. whether we take equal losses, or losses proportional to our expenditures
2. If losses are proportional, does the timing of our payments matter, i.e. are payments converted to present value?
3. how to handle her $50,000 payment: does it = $5000 for her half of the purchasing closing costs, with the rest applied to a down payment?
4. whether her improvements, about half for new windows/doors, and half for new appliances, "count" like a down payment does
5. whether she will have to pay me back for the $4000 mortgage payments I made for her