no need to do assumption, the costs is too much more than the re

no need to do assumption, the costs is too much, it's  more than the regular closing costs for refinance, based on your loan amount, your alimony and child support can be used as your income to qualify as long as you can show the evidence that your ex husband making the payment to you .  My suggestion is to do a regular refinance to take off your husband's name from title, there will be no clound on the title. However, if your alimony is not enough, you can use your savings to pay down some pronciple to reach the maximum loan amount that you can qualify.