Google Sheets Home Buying & Mortgage Workbook Template | 15-Tab System | Affordability, Amortization, Rent vs Buy

Finally — a home buying spreadsheet that covers the entire journey, not just a mortgage calculator.

The Google Sheets Home Buying & Mortgage Master Workbook is a 15-tab Google Sheets system that takes you from "Can I afford this?" to "I own this home." Every tab feeds from a single Control Panel, so you enter your numbers once and the entire workbook updates automatically.

This is the spreadsheet I wish existed when I bought my first home.

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WHAT'S INCLUDED IN YOUR DOWNLOAD

✔ Blank Google Sheets Template (link to copy to your Drive)

✔ Sample Data Template (link to copy — explore every tab with realistic numbers)

✔ Quick Start Guide (PDF) — Setup instructions, tab-by-tab reference, and tips

✔ License Agreement (PDF)

No software to install. Click the link, make a copy, and start using it immediately.

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HOW TO ACCESS YOUR TEMPLATES

Open the Quick Start Guide PDF included in your download

Click the template link inside — it opens Google Sheets automatically

Click "Make a copy" — this saves it to your Google Drive

Open the Control Panel tab and start entering your numbers

That's it. No uploading, no importing, no formatting fixes.

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15 TABS INSIDE

01 Read Me — Overview, color coding key, reset instructions

02 Beginner Guide — Plain-English walkthrough of every field and concept

03 Pro Guide — Advanced strategies for DTI optimization, rate analysis, and prepayment

04 Control Panel — Your command center. Enter income, home price, rate, and assumptions here

05 Affordability — DTI ratios, PITI breakdown, max affordable home price, cash-to-close

06 Rent vs. Buy — 5, 10, and 20-year comparison with appreciation, rent growth, and investment returns

07 Down Payment — Savings tracker with milestones at 3%, 5%, 10%, 15%, 20%, 25%

08 Mortgage Comparison — Compare 3 loan scenarios side by side

09 Amortization — Full 360-month schedule with automatic PMI drop-off at 20% equity

10 Extra Payments — See how extra monthly or annual payments save you thousands

11 Closing Costs — Estimate vs. Actual tracker for every line item

12 Home Scorer — Score up to 5 properties on 9 weighted criteria

13 First-Year Budget — Utilities, lawn care, furniture, maintenance — the costs renters never see

14 Maintenance Reserve — Every major system tracked with replacement cost and savings target

15 Net Worth Projector — 30-year equity growth vs. renting and investing

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WHY THIS IS DIFFERENT

Most home buying spreadsheets on Etsy are single-tab mortgage calculators. This is a complete 15-tab system with 3,240+ formulas that covers affordability, comparison shopping, closing costs, property scoring, first-year budgeting, and long-term wealth projection — all from one Control Panel.

→ 3,240+ formulas, all auto-calculated

→ Color-coded inputs (yellow = type here, blue = don't touch)

→ Protected formulas so you can't accidentally break anything

→ Built-in Beginner Guide AND Pro Guide

→ No macros, no add-ons — works in any browser

→ Auto-saves to your Google Drive

→ Free to use — no Google Workspace subscription required

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HOW IT WORKS

Click the template link and make a copy to your Google Drive

Open the Control Panel and enter your income, purchase price, down payment, and rate

Review the Affordability tab — see if the numbers work

Explore every other tab — they all update automatically

Use the Sample Data version to see how it looks filled in

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PERFECT FOR

First-time home buyers who want clarity before making the biggest purchase of their lives

Buyers comparing multiple properties or loan options

Anyone deciding whether to rent or buy

People who want to understand their mortgage, not just pay it

Anyone who prefers Google Sheets over Excel

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SHEET PROTECTION

All formula cells are protected to prevent accidental overwrites. Input cells are unlocked and ready to use. Only the template owner can remove protection — your copy makes you the owner.

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IMPORTANT

This workbook is an educational tool for financial planning and organization. It is not financial, legal, or tax advice. Consult a licensed professional before making financial decisions.

Digital download — all sales are final. If you experience a technical issue, contact us and we'll make it right.

Questions? Email tynkrtoolsco@gmail.com

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A TynkrTools&Co Product | A Built By Josh Company