In your example, you get your deposit back, as 190k covers the debt, extra 10k g...

shapefrog on Sept 22, 2021 | parent | context | favorite | on: Home ownership is still mostly renting

In your example, you get your deposit back, as 190k covers the debt, extra 10k goes back to owner. (e.g. if 195k was sale price would recieve back 5k etc)