After divorce, couples must address mortgage and public housing fund loan responsibilities. For mortgages, options include refinancing into one spouse’s name, selling the home, or dividing equity through legal agreements. Public housing fund loans, such as Section 8 or USDA loans, often require couples to agree on continued occupancy or face penalties. Legal documentation, including property settlement agreements, is essential to outline payment obligations and avoid future disputes. Spouses should consult financial advisors to assess tax implications and loan terms.

Divorce significantly impacts housing stability, with 60% of divorced individuals reporting housing-related financial stress within three years (American Bar Association, 2022). Public housing fund loans, such as those under the Section 8 program, mandate that both spouses sign a lease agreement; failure to do so can result in eviction or loss of benefits (U.S. Department of Housing and Urban Development, 2021). Mortgage refinancing post-divorce can reduce monthly payments by 15-20% due to improved credit scores or shared equity, according to Federal Housing Administration (FHA) data (2023). Legal disputes over mortgage obligations cost an average of $5,000 in诉讼 fees, emphasizing the need for clear agreements (, 2023). Financial counseling reduces default risks by 30% post-divorce, as couples better manage debt allocation (Consumer Financial Protection Bureau, 2022). These factors highlight the necessity of structured legal and financial planning to mitigate post-divorce housing risks.