Your independent homebuying notebook
The worksheet drawer
Use property-specific quotes and consistent assumptions. These are planning sheets, not lending decisions.
Home budget back-solver
Choose your own combined debt-and-housing budget. This is a household planning model, NOT lender approval or a recommended debt ratio.
Mortgage payment planner
Combine principal and interest with your own tax, insurance, PMI and HOA estimates. Ask lenders and insurers for property-specific quotes.
Rent vs buy cash outflow
A deliberately simple cash-flow comparison. Enter complete monthly ownership costs and only nonrefundable upfront buying costs. This does not measure investment returns or net worth.
Cash-to-close worksheet
Add figures from actual quotes, your Loan Estimate and purchase agreement. No average closing-cost percentage is assumed.
Down-payment savings calendar
Estimate how many monthly deposits remain before your chosen cash target is funded. Keep closing costs and protected reserves separate.