First Home Buyer Spreadsheet | Down Payment and Closing Cost Savings Planner | Mortgage Affordability Calculator for Excel and Google Sheets

The price of a first home isn't the wall. The cash to close is.

Buyers fixate on the sticker price and the monthly payment — and quietly miss the one number that actually stands between renting and owning: the pile of cash you hand over on closing day. Nobody prints it on the listing. This planner puts it first, backs it into a real date and a monthly savings amount, and then honestly checks whether the payment fits your income before you fall for a listing. Works in Excel and Google Sheets. Pay once.

WHAT YOU GET — 11 connected tabs (Excel + Google Sheets)
• Dashboard — cash-to-close target, saved-so-far %, your monthly save number, months to go, the estimated monthly payment, and a readiness score — one screen.
• Down-Payment Planner — 3.5% / 5% / 10% / 20% side by side, each showing the down payment and the loan it leaves.
• Closing-Cost Estimator — itemized lender, title, appraisal, inspection and prepaids, plus reserves and moving.
• Cash-to-Close — down payment + closing costs + reserves = the real number, and what's still left to save.
• Savings Tracker & Countdown — your target and date become one monthly number (and a per-paycheck number); log months and watch the progress bar.
• Mortgage-Readiness / Affordability — a true PITI payment (principal, interest, taxes, insurance, PMI) with the honest 28% / 36% reality check, so you know if the payment actually fits.
• Rent vs Buy — this payment vs your current rent, side by side.
• Your Comfortable Price — the price that keeps you inside the guideline, so you shop with your eyes open.
• Buy-Readiness Checklist — credit, pre-approval, reserves, DTI, docs → a readiness %.

WHY THIS ONE
Most home-buying downloads are a checklist. This one calculates: it names your real cash-to-close, backs it into a monthly save target for your date, runs a true mortgage payment with the affordability rules, and tells you the price that actually fits — even when that's lower than the one you love. Honesty is the point.

HONEST PROOF
352 formulas · recalculated clean · 52/52 independent math checks · every screen in the photos and the video is the real file. No stock mock-ups.

WORKS IN EXCEL AND GOOGLE SHEETS — import steps included. Instant download, yours forever, free lifetime updates.

🎥 Full video walkthrough on our YouTube channel (NicheToolkits).

YOU MAY ALSO LIKE
• Savings Challenge Vault → https://www.etsy.com/listing/4538256980/savings-challenge-tracker-spreadsheet
• Debt Payoff Tracker → https://www.etsy.com/listing/4522933915/debt-snowball-spreadsheet-debt-payoff
• Net Worth & Wealth Tracker → https://www.etsy.com/listing/4539023602/net-worth-tracker-spreadsheet-with-fire

This is an educational planning tool, not financial advice.