Co-Buying a House Spreadsheet, Buy a Home With Friends or Family, Ownership and Buyout Planner, Google Sheets + Excel

Buying a home with a friend, a sibling or a parent works best when the money questions are answered before anyone signs. I built this planner to put those answers in one place: who puts in what, who owns what, who pays what each month, and what each person walks away with if someone wants out.

Enter the home, the loan and up to four people. Mark who will live there, who signs the loan and who is on the title. Then choose how you share:
Ownership by cash put in, equal, or custom, with the option to count principal payments over time.
Monthly costs split the same as ownership, equally, by income, or custom.
Who sends each payment, with a monthly settle-up as a short list of payments (never more than one fewer than the number of people).

The what-if section picks one person who leaves in any year from 1 to 30. It shows the home's value at your growth rate, the loan balance, selling costs, what each person gets if you sell, what a buyout pays the person leaving, and who carries the payment afterward. It also handles a home worth less than the loan.

Watch-outs flag the things people miss: someone on the loan but not on the title owes the whole loan without owning any of the home; moving out or signing over a share does not take anyone off the mortgage. The loan watch-outs are backed by dated sources from the CFPB, Fannie Mae and Freddie Mac on the Explainers tab.

The discussion checklist has 33 questions in 8 topics (money in, title and shares, monthly costs, repairs, living together, life changes, exit and buyout, disputes and documents). Mark each Yes or No, Decided or Still open, and note what you agreed. The Overview lists what is still open, ready to take to your attorney and lender.

WHAT YOU RECEIVE
Blank and filled sample Google Sheets templates, with copy links in a start-here PDF
Blank and filled sample .xlsx workbooks for Microsoft Excel (2016 or newer)
A two-page start-here guide

Choose either format. The versions do not sync. A free Google account is needed for Google Sheets. Desktop or laptop recommended for setup.

CAPACITY
Up to 4 people, 8 shared monthly bills, one exit scenario at a time, 33 discussion questions. USD formatting.

HOW IT WAS MADE: Made with help from AI tools. I designed it and checked every formula and source myself.

Digital download only. No physical item ships. For personal use; please do not redistribute or resell.

This is an organizer for your own discussions. It is not legal, tax or financial advice and not a co-ownership agreement. The title form is a label you choose. Title rules differ by state, so ask a real estate attorney in your state to review your agreement and deed.