Of course, I remember you. I'm glad to help. If part of the equity in the home was given to you, either as a personal gift after marriage, or before, that portion of the equity remains your personal property and will be yours in the divorce. So yes, the $28,000 will remain yours even through the divorce!
The down payment you made before marriage (even if it was a gift to you from your folks), the increase in equity attributable to that down payment and all mortgage principal payments before marriage would be your personal property.
All equity increases attributable to the paying down of the principal via the mortgage payments, any increase in equity referable to improvements made during the marriage and all growth in equity attributable to those payments/improvements would be considered marital property and dividable between the two of you on divorce.
A rough estimate might go like this. If you bought the house for $200,000 and put$20,000 down and the house is now worth $300,000----out of the equity you would get the $20,000, plus about $10,000 for the 50% increase in home value. That would leave $70,000 in increase that would be marital and of that you would get roughly half---or another $35,000---giving you $65,000 of the $100,000 equity in a divorce.
You may reply to me again if you have additional questions, and I will be happy to continue to assist you.
I am not an employee of this site and I am only paid for helping you when you rate my service to you. Please remember to rate my service to you by clicking on the rating stars on your screen (preferably 5-Stars) so that I can be compensated for helping you. Thank you in advance.
I wish you and yours well in 2017,