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There are a few common ways to handle the title like sole ownership, joint tenancy, and tenancy in common.

Tenancy in common allows you both to have rights to the property but can be divided into different shares.

An estate attorney can also help co-buyers understand options for titling the home, such as joint tenancy or tenancy in common.

A tenancy in common allows you to own the home in unequal shares to reflect the difference in your down payments.

Meanwhile, in an agreement like tenancy in common, if one of you should pass away, your share is left to your heirs and may need to go through probate.