Mortgage & Closing Cost Comparison Calculator | Excel Google Sheets First Time Home Buyer Loan Comparison Spreadsheet

Built for first-time home buyers who need to compare homes, loan offers and closing costs before making the biggest purchase of their lives. Enter your numbers once and this spreadsheet does the math — ranking properties by what matters to you, finding the cheapest loan offer, and totaling the cash you'll need at closing.

What's inside:- Property Comparison — enter up to 4 homes with price, HOA, taxes, insurance and utilities, then rate each one on location, condition, schools and commute. Set your own weights and the spreadsheet ranks the homes automatically — the best match is highlighted.- Loan Comparison — enter up to 5 loan offers (amount, interest rate, term, points, lender fees). Monthly principal & interest payment and total loan cost are calculated instantly, and the lowest-cost offer is highlighted.- Closing Costs — a 16-line itemized worksheet (loan origination, appraisal, title insurance, escrow, recording fees and more) that totals automatically into the estimated cash you'll need at closing.- Instructions tab explains how to use every sheet, built right into the workbook.

Included in this instant download:- MortgageClosingCostCalculator.xlsx — the full editable workbook (Instructions, Property Comparison, Loan Comparison, Closing Costs)- MortgageClosingCostCalculator.pdf — printable blank version of every sheet

Works in Microsoft Excel, Google Sheets and LibreOffice Calc. Only the pale yellow cells are meant for typing — everything else is protected so the formulas don't break by accident.

This workbook is a planning tool only. It is not financial, legal or tax advice — always confirm final numbers with a licensed loan officer, title company or attorney before signing anything.

Because this is a digital file, returns and exchanges are not accepted. If anything is wrong with your file, contact us through this store and we'll fix it quickly.

Made with the help of AI tools; all designs are original, not copied from another creator.