As promised, I am back this morning to assist you. However, we are a long way from me being able to actually give you an answer in dollars, because your question---while I'm sure seemingly easy to you----is an incredibly complex issue that need a truly fact-intensive approach to get to an answer.
Here is the next round of information that I need, at a minimum, in order to better understand the facts of your situation:
1. What do you mean the house is sold? Escrow closed and money sitting in in a bank ready to be disbursed?
2. Who did you sign a promissory note for?
3. Was the original lender aware that you and your ex were the real buyers and not your mother and grandmother?
4. Were either your mother or grandmother on the deed?
5. What was your agreement with your ex when you bought the house together. Did you agree that if the house ever sold that he would get his down payment back in full before you got a dime?
6. If you put nothing down, why was your name on the deed?
7. How much equity is in the house after the mortgage is paid off and all selling costs are paid?
8. What is it that needs to be signed off on? The sale contract? The closing documents? The agreement for disbursement of funds?
9. Why was your mother refusing payments on the note?
10. While your mother was refusing payments, who was paying the mortgage?
11. What are you being offered in terms of cash to agree to the sale of the home? Anything?
12. Did the value of the property increase through market forces during the time you owned it?
13. What improvements did you make to the home that you talk about? What did it cost you out of pocket to do the improvements? What effect did the improvements have on the value of the house? Did you have that estimated by a realtor or a property appraiser?
14. Why would your mother get anything from the sale of the property? Was she an owner? She only helped get the mortgage, correct? Did she put any of her own money into the home?
15. What is it that "didn't go into mine and my boyfriends name until the loan was satisfied"?
16. Did your mother make a loan to you of her money in addition to the mortgage?
As you can see the concept of determining the amount of money that you may be owed is highly complex. There are dozens of more questions that I may have to ask based on your "fully responsive" answers to these questions.
I will again strongly suggest that you agree to a phone call so we can get to the bottom of all of this. I am only talking about $19 on top of the money you offered for a written answer. I am prepared to discuss with you in that call not just the number that you are asking for but strategies you might use and the leverage that you do have here in this discussion with your ex----these are things that I will not get to in our written discussion. So do consider the call offer.