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Home Affordability Calculator Spreadsheet | Excel & Google Sheets

You can only make an offer when buying a single item

Highlights

  • Designed by ProsperityWorkbooks
  • Party decor for gatherings and celebrations
  • Digital download
  • Digital file type(s): 1 ZIP

How much home can you realistically afford?

This home affordability calculator turns your income, monthly debt, down payment, interest rate, property taxes, homeowners insurance, and optional HOA dues into two clear planning views: a Comfort Target built around the monthly housing payment you choose, and a separate Qualification-Style Range for context.

Buying a home involves more than finding the highest number a calculator will produce. Prosperity helps you explore a range that feels comfortable to you, compare it with a separate higher planning reference, and understand what is shaping both results.

WHAT YOU CAN EXPLORE

- Your estimated Comfort Target home-price range
- A separate Qualification-Style planning range
- Estimated monthly housing payment
- Estimated loan amount and down payment
- Principal and interest, property tax, homeowners insurance, PMI, and HOA components
- Comfort and total debt-to-income ratios
- The gap between the two planning ranges
- Approximate debt impact and the factor limiting the higher range
- A plain-language Prosperity insight and next consideration

HOW IT WORKS

1. Enter your household income, monthly debt, interest rate, down payment, and estimated home costs.
2. Set your Comfort Target as a percentage of income or a monthly dollar amount.
3. Review your buying range, monthly payment, payment breakdown, affordability drivers, and insight.

Change any blue input to explore another scenario. The workbook recalculates automatically.

WHAT YOU RECEIVE

- Blank Home Affordability Calculator for Microsoft Excel (.xlsx)
- Completed Demo workbook so you can see how the calculator works
- Native Google Sheets copy links for both Blank and Demo versions
- Branded Quick Start PDF with direct access links
- Built-in READ ME and input guidance inside each workbook

This is an instant digital download. No physical item will be shipped. No subscription is required.

COMPATIBILITY

- Microsoft Excel desktop using the included .xlsx files
- Google Sheets using the included native copy links
- Best used on a desktop or laptop
- No macros, VBA, external workbook links, or add-ins are required
- Not designed or tested for Apple Numbers or other spreadsheet apps

Excel and Google Sheets can differ in protection behavior and small visual details. Calculations, validation, formatting, and the core workflow were tested in both platforms.

IMPORTANT PLANNING LIMITATIONS

This calculator is for personal education and planning only. Results are estimates based on the information and assumptions you enter. It is not a mortgage approval, preapproval, loan offer, guarantee of qualification, or financial, tax, legal, or lending advice.

Actual lender requirements, mortgage rates, property taxes, insurance, mortgage insurance, fees, and other costs may differ. Lenders may consider credit history, income documentation, reserves, loan-program requirements, and other factors not modeled here.

This version does not calculate closing costs or cash to close, utilities, maintenance or repairs, loan-program eligibility, credit scoring, amortization schedules, extra-payment strategies, rent-versus-buy outcomes, or lender approval.

If you are making a home-buying or borrowing decision, confirm current numbers and requirements with appropriately qualified professionals.

DIGITAL DOWNLOAD NOTE

Etsy digital purchases are downloaded through a web browser or computer rather than the Etsy app. Download the ZIP, extract it, and begin with the Quick Start PDF. If you have a file-access issue, contact Prosperity through Etsy messages.

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Home Buying Spreadsheet

Listed on Sep 3, 2026
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