Home Buying Planner & Mortgage Calculator | Excel Affordability, Compare Homes

Buy your home with clear numbers instead of guesses.

This Excel home buying planner shows a comfortable price range, the real monthly payment, the cash you need to close, and which home scores best for you.

WHAT'S INCLUDED

• Affordability: price range from income, debts, savings, rate, taxes, insurance and HOA using the 28/36 rule

• Mortgage calculator: principal and interest, property tax, insurance, PMI and HOA, total interest and payoff date

• 30-year amortization by year with equity %

• Compare Homes: up to 15 homes with price per size, estimated monthly cost and a weighted 0-100 score that ranks them

• Closing Costs: editable cash-to-close estimate with shortfall or spare cash

• Down Payment Plan: months to your savings goal with interest

• Checklist: 43 steps from pre-approval to moving day with due dates

• Dashboard: comfortable payment, max price, test payment, cash needed, months to goal, top-scored home and checklist progress

BEST FOR

First-time home buyers, couples and families planning to buy a house or condo.

HOW IT WORKS

1. Fill in Affordability. 2. Add homes you view and score them. 3. Plan your cash and follow the checklist.

FORMAT

Microsoft Excel (.xlsx), no macros, sample data included. Instant digital download; no physical item.

IMPORTANT

Planning estimates only, not financial, legal or lending advice.

FAQ

What exactly do I get?

Excel home buying planner: affordability, mortgage calculator with PMI and amortization, compare and score homes, closing costs and checklist.

What do I need to use it?

Microsoft Excel on Windows or Mac (Excel 2016 or newer, or Microsoft 365). It also opens in free Google Sheets, though Excel is recommended.

How do I get it?

It is an instant digital download: right after payment you get the file on the page and by email. No physical item is shipped.

What if it is not right for me?

Contact me through my Payhip store within 30 days and I will refund you - no hard feelings.

I have a question

Use the contact link on my Payhip store page and I will help.