Buy My Home

Here goes. I bought a house 50-50 with my cousin with zero down. Recently she got into a car accident and doesn’t work. She gets some money from insurance but SHE said she can’t afford her half of the mortgage and wanted to refinance in my name and my fiances name. We got the loan and all the paperwork is complete. She hesitated BIG time signing the quit claim from the title company. She wants to get PAID! So we bought for 290K and the house appraised for 312K. Payoff was 292K. The quit claim fees are 2500 bucks for her to get off title. The closing costs were 7k. Once again she wants MONEY! Since we didn’t actually “sell” the house she doesn’t think she’s entitled to have to pay closing costs because I got the house. I don’t think this is fair. I don’t want the house but the market here is too slow and everything sells for about 10% under appraisal. Selling isn’t really an option. She eventually signed the quit claim and I wrote up a little letter stating she has to pay (taken out of her 10K “equity”)half of closing, half of the home appraisal, and her half of the quit claim. I offered her about 500 bucks more than the actual numbers shown – I offered 4k, the numbers showed about 3500. My questions is can she take legal action against me to get more money than I’m offering. She signed my little letter with the amount and my 12 month intention to pay. Not a legal document but I can’t afford legal fees. What can she do? I don’t trust her one bit. Once again, all paperwork is submitted and the loan should fund on Wednesday. Thanks in advance guys. OOPS. Didn’t mean to put it here on small business.