Do you have an attorney? If no, I suggest getting one and reviewing your husband's proposal. Just because he says the house equity is XX doesn't mean it is what it should be. Do you even know how much equity is in the house?
We are trying to do it without attorneys (I have some money saved up and would rather put it towards paying him out of the house rather than on attorney's fees). I am also an attorney. I don't practice family law but am generally familiar with the divorce laws in my state. We agreed on everything but the house. We are getting it appraised so the equity will be an actual number. We disagree on the timing of the appraisal-I think it should be from January when he moved out as I have been the one paying the mortgage- and the percentage we are entitled to.