Down Payment Savings Tracker: Excel/Google Sheets Calculator + Printable 100-Square Chart for Future Homebuyers

Saving for a house feels endless when you don't know the finish line. This kit from The Mortgage Dad gives you the real number (down payment + closing costs + cushion) and shows you whether you're on track.

Spreadsheet (Excel and Google Sheets compatible, 5 tabs)

• Goal Setup: enter price, down payment %, closing estimate, cushion, savings and target date. It calculates your total cash goal, what's left, the monthly amount needed, months to goal, and an on-track check.

• Savings Log: 100 rows with a running balance and a source note for every deposit (lenders often ask about large deposits).

• Monthly Plan: 36 months of planned vs. actual, showing whether you're ahead or behind, with the goal month highlighted.

• Scenarios: compare five down payment percentages side by side.

Printable PDF (5 pages): goal worksheet with a worked example, a 100-square savings chart, a 24-month savings log, a paper-trail and money-sources guide, and a "find more money each month" idea list.

Educational only, not a loan offer or rate quote; example numbers are illustrations. Down payment, closing cost and reserve requirements vary by program and lender.

Aaron Clark, Licensed Mortgage Loan Officer, NMLS #1770738 · www.nmlsconsumeraccess.org · Equal Housing Opportunity