My ex fiance and I bought a home together as joint tenants, put a down payment from our joint checking account, who gets the down payment after sale?

How much her share might be is a complicated question. It will require an inquiry into all your statements to each other and others about the ownership of the house, and a complete accounting of everything either of you spent on the house. Meanwhile, if she turns out to be entitled to a share of the value of the house, then that value keeps going up and up. The sooner you cash her out, the better. The solution is to refinance with some cash out to pay her off. And that's all she wants. She wants to be cashed out. Get her to tell you how much she wants. If the number is unreasonable, then try to negotiate her down. If the number is reasonable, but you can't afford to pay it all to her right now, offer her as much as you can right now and some amount per month until it's paid in full. But don't pay any of it until you have an agreement in writing, prepared and approved by an attorney.  As long as she is on the loan for this property, she might have difficulty buying another property. Many lenders will include the debt on this property in determining her net worth. With this loan plus the loan on a home she wants to buy, she might not have enough net worth to qualify for a home loan of her own.  Dana Sack