Home Buying Planner Spreadsheet, House Hunting Scorecard & Down Payment Tracker, Google Sheets, Excel, Printable PDF

Keep the whole house hunt in one place. Score every home you see on the things that matter to you, list the cash you'll need up front (down payment, closing costs, inspection, moving and first-month setup) as your own estimates, and track your down payment savings toward a target date. Type the numbers from your own quotes and the planner shows an estimated monthly cost for each home, side by side.

WHAT'S INCLUDED
- Home Buying Planner spreadsheet (.xlsx), blank and ready to use
- Example file filled with sample homes so you can see how it works
- Printable PDF (US Letter + A4), 6 pages: home showing notes, home comparison scorecard, cash-to-close budget, monthly cost estimate, down payment savings tracker and home search contacts

FEATURES
- Home scorecard for up to 10 homes: price, beds, baths, square feet, price per sq ft, status, and a score out of 100 from your own 1-to-5 ratings on 6 things you choose and weight
- Cash budget: the down payment from your target price and down payment %, plus 20 lines for your own estimates of closing costs, inspection, moving, setup and more, with actuals as you go
- Monthly cost estimate from the rate and term on your own lender quote, plus your own tax, insurance and HOA estimates, for your target price and for each home. Estimates only; confirm the payment and all costs with a lender
- Down payment savings tracker: a goal, a target date and up to 100 deposits, with what's left to save and what that works out to per month
- Summary: every home at a glance with its estimated monthly total, score and rank, your cash and savings, and a worth-checking list (homes above your target price, missing scores, cash lines with no amount and more)

HOW TO USE
1. Download the files from your Etsy Purchases page (instant download, nothing is shipped).
2. Excel: open the .xlsx file. Google Sheets: upload the .xlsx to Google Drive, open it, then choose File > Save as Google Sheets.
3. Start on the 'Start Here' tab and fill in the pale-yellow cells. Everything else calculates for you.
4. Print the PDF pages at home or at a print shop (US Letter and A4 included).

GOOD TO KNOW
- Digital download only. No physical item will be shipped.
- Works in Microsoft Excel 2010 or newer (Windows and Mac) and Google Sheets (free). Apple Numbers and LibreOffice not fully tested.
- Formula cells are protected (no password) to prevent accidental edits.
- Colors may look slightly different on screen vs. print.
- For personal use only. Please don't resell or share the files. (c) Porchlight Ledger
- Planning tool only, not financial, mortgage, legal or real estate advice. Payment figures are estimates; confirm all costs with a lender.
- Planning tool only, not financial advice. The planner adds up and compares the numbers you type; it doesn't know real rates or costs and it doesn't say what to buy, offer or borrow. Not affiliated with any lender, agent or listing site.

ALSO IN THE SHOP
- Mortgage Payoff Calculator (see how extra payments shorten your mortgage): https://www.etsy.com/ca/listing/4587775360/mortgage-payoff-calculator-spreadsheet
- Home Maintenance Schedule (seasonal home upkeep and repair log): https://www.etsy.com/ca/listing/4587775584/home-maintenance-schedule-spreadsheet
- Home Inventory for Insurance (room-by-room list of what you own for insurance): https://www.etsy.com/ca/listing/4587779075/home-inventory-spreadsheet-for-insurance

AI disclosure: I used AI tools to help build this template (formula drafting, layout, written instructions and the product preview images). Every formula was reviewed and tested in LibreOffice with sample data, and the files were checked before listing.