Home Affordability Calculator Modelo Essentials
Estimate how much home may be affordable based on income, debts, and down payment. Factor in taxes, insurance, and other housing costs.
O Que Está Incluído
- 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
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de 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.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
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.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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