Home Affordability Calculator Modèle Essentials
Estimate how much home may be affordable based on income, debts, and down payment. Factor in taxes, insurance, and other housing costs.
Ce qui est inclus
- Dashboard with affordability estimate showing maximum home price, monthly payment, and required down payment
- Affordability setup with gross monthly income, existing monthly debts, and available down payment inputs
- Monthly payment breakdown including principal, interest, property taxes, insurance, and PMI if applicable
- Down payment scenarios showing how different percentages - 5%, 10%, 15%, 20% - change the affordable price
- Debt-to-income ratio display with color-coded indicators comparing your ratio to common lender thresholds
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Aperçu
Découvrez le contenu de ce modèle
Comment utiliser ce modèle Home Affordability Calculator
Enter income and debts
Input your gross monthly income and total monthly debt payments. These determine the maximum payment a lender might approve.
Set down payment
Enter your available down payment amount or percentage. The calculator adjusts the affordable home price accordingly.
Review affordability
The dashboard shows the estimated maximum home price, monthly payment, and how the payment breaks down into principal, interest, taxes, and insurance.
Compare down payment scenarios
See how different down payment amounts - 5%, 10%, 15%, 20% - change the affordable price and monthly payment.
Créés par Claude AI. Perfectionnés par nos soins.
Nous utilisons Claude AI pour rédiger chaque modèle, après une recherche approfondie. Puis notre équipe prend le relais. Nous affinons la mise en page, testons chaque formule en conditions réelles, corrigeons les cas limites et peaufinons le design jusqu'à obtenir un résultat que nous utiliserions nous-mêmes. L'IA nous amène à 80 %. Les 20 % restants, c'est du jugement humain.
Questions fréquentes
How is the maximum price calculated?
The calculator uses your income, debts, and common DTI thresholds (typically 28% front-end, 36% back-end) to estimate the largest mortgage you could qualify for.
Does it include PMI?
Yes. If the down payment is less than 20%, the calculator factors in private mortgage insurance as part of the monthly payment estimate.
What interest rate does it use?
Enter a current mortgage rate on the setup sheet. The calculator uses this rate for all payment and affordability calculations.
Are property taxes included?
Yes. The monthly payment breakdown includes estimated property taxes and homeowners insurance alongside principal and interest.
Comment ouvrir ce fichier dans Google Sheets ?
Importez le fichier .xlsx dans Google Drive, puis ouvrez-le avec Google Sheets. Toutes les formules et la mise en forme seront conservées.
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