Home Affordability Calculator Spreadsheet | DTI PMI Down Payment Scenarios Monthly PITI Projector | Google Sheets

Falling in love with a house you can't actually afford is the most expensive heartbreak in real estate. 🏠

Home Affordability Calculator runs the same 28/36 math lenders use — DTI, PMI estimates, five down-payment scenarios, and a full monthly PITI projection — before you ever tour a home.

This is a pre-built mortgage-math system, not a blank template. Enter income, debts, local tax rate, insurance, and HOA once: the 28/36 rule engine solves your maximum affordable home price, five down-payment scenarios compare side by side (watch PMI vanish at 20% down), and the PITI projector breaks every scenario into principal, interest, tax, insurance, HOA, and PMI. A red / amber / green DTI readout tells you instantly whether a price is safe, a stretch, or a lender's 'no'.

Built for first-time buyers who want the truth about their budget before the bidding war starts.

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📦 WHAT'S INCLUDED

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✅ Home Affordability Calculator workbook for Google Sheets (6 tabs)

Start Here, Setup, Affordability, Down Payment Scenarios, PITI Projector, Dashboard

✅ Quick Start PDF — from download to first result in about 15 minutes

✅ FAQ & Access Guide PDF — answers, troubleshooting, and license terms

✅ One ZIP file — instant download, everything inside

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⚡ KEY FEATURES

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🔹 28/36 rule affordability engine — the same math lenders use

🔹 DTI calculator with red / amber / green verdict on every price

🔹 PMI estimator on every scenario under 20% down

🔹 Five down-payment scenarios (3%–20%) compared side by side

🔹 Monthly PITI projector: principal, interest, tax, insurance, HOA, PMI

🔹 Max home price solver net of tax, insurance, and HOA

🔹 Stress-test ready — change rate or term and everything recalculates

🔹 Dashboard with PITI-by-scenario chart for the lender conversation

🔹 Protected formulas — nothing breaks when you type

🔹 100% Sheets-native — no coding, no add-ons

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🚀 HOW IT WORKS

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1️⃣ Purchase and download your files instantly

2️⃣ Open the workbook in Google Sheets — about 15 minutes to set up

3️⃣ Enter your numbers — every calculation, alert, and chart updates automatically

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📌 IMPORTANT NOTES

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• This is a digital download — no physical item will be shipped

• Built for Google Sheets ONLY — requires a free Google account

✅ 30-DAY MONEY-BACK GUARANTEE — you're covered. Message us within 30 days for a full refund, no forms, no hassle.

• Single-user license — redistribution, resale, or sharing is not permitted

• Launch pricing: $10.8

• An organizational and planning tool, not financial advice — consult a qualified professional for financial decisions

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🛍️ LIKE THIS SYSTEM?

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See the full SystemCraftDigital collection — cash flow, invoicing, tax planning, budgeting, and more — in my shop.