Eliza Coupe Divorce -- No Happy Ending ... She's Paying Up Big-Time!

Eliza Coupe should have known this was a possibility when she married a puppeteer ... TMZ has learned she's been ordered to pay her ex spousal support and a six-figure lump sum to boot!

As TMZ first reported, Randall Whittinghill filed for divorce from the "Happy Endings" star last July after five years of marriage (literally -- the date of separation on the divorce docs is listed as their five-year anniversary).

According to divorce docs obtained by TMZ ... Whittinghill and Coupe have come to agreement on how to divvy things up ... and Whittinghill made out quite well. The docs say Coupe has to fork over $7,000 a month in spousal support as well as a lump sum payment of $306,000.

The gravy train comes to an abrupt halt in 2 years or when Whittinghill gets re-hitched ... whichever comes first.

In January, USA picked up Eliza's next show to series ... so she won't be hurting too bad.