Not sure, but I expect it is genetic. Mom, a Quarter Horse, was bred to a Paint stallion. Paint's are those two-tone horses and Pintos are three-tone (I believe). Not all Paints will have paint offspring, that only happens where the gene is dominant, and in my mare's case, likely a recssive gene. I believe, but not sure, that most of her offspring have been Paints. Her last two were for sure, because we have both of them. We're hoping to get a picture of the sire from the original owner of the mare. She was in foal when we bought her. A pretty sweet deal, mom and her 2 month old filly, and then we learn that the breeding attempt, which was believed not to have taken, was successful. A three for the price of one deal.
Now watch a geneticist come along and rip apart my lay explanation

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Mike Tangas
'73 280SEL 4.5 (9/72)- RIP
Only 8,173 units built from 5/71 thru 11/72
'02 CLK320 Cabriolet - wifey's mid-life crisis
2012 VW Jetta Sportwagon TDI...at least its a diesel
Non illegitemae carborundum.