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" I am concerned with paying 50k for nothing."
You would be paying $50k for nothing if it was sold, no? It would seem your main concern is that your ex to be may recover his financial loss on the house years down the road, and you'll be out of luck.

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My main concern once again is paying 50k for nothing. If my ex wants the financial gain down the road, then he can take on the entire loan and I'd be fine with that.

If I stayed in the home I'd be willing to assume the remaining debt in it's entirety. I wouldn't expect him to pay me 50k. He knows this. The difference being that he cannot afford the payment on his own.

Arizona is an anti-deficiency state when it comes to home loans. So no, I wouldn't pay 50K if the house were sold.

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