Home Affordability Calculator Essentials 模板
Estimate how much home may be affordable based on income, debts, and down payment. Factor in taxes, insurance, and other housing costs.
包含内容
- 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
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如何使用这个Home Affordability Calculator模板
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.
由 Claude AI 构建，经我们精心打磨。
我们使用 Claude AI 在深入研究后起草每个模板。然后由团队接手，优化布局、全面测试每个公式、修复边界情况，并打磨设计，直到达到我们自己愿意使用的标准。AI 完成了 80% 的工作，最后 20% 靠的是人工判断。
常见问题
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.
如何在 Google Sheets 中打开？
将 .xlsx 文件上传到 Google Drive，然后使用 Google Sheets 打开。所有公式和格式都会保留。