--- title: "Home Buying Cost & Affordability Planner (Excel) | MCC" description: "Excel workbook for home buyers: compare up to three homes side by side with the full monthly cost, estimate closing costs and cash to close, see how the rate…" url: "https://mcc-solutionsnj.com/toolkits/home-buying-cost-planner" --- Excel workbook # Home Buying Cost and Affordability Planner: Compare Homes, Closing Costs and Monthly Payment in Excel Put in your income, debts and savings, then compare homes on the real monthly cost and the cash you need on closing day. **$19** one time · 14-day full refund · example and blank copies · download link by email Buy now, $19 Try the free starter 🌙 The desk is asleep. The store never is. Every kit and ebook downloads the moment you pay, day or night. Questions get answered after we open in the morning. [Browse the store](/toolkits) Who it is for First-time and move-up home buyers who want to compare homes on the same numbers before talking to a lender. Not the right fit if You want a loan pre-approval or a full rent-versus-buy investment analysis: this compares costs and predicts no approval. Why it is different - The limits you test are your own inputs, because lenders set their own rules. - It shows the cash you need to close, not just the monthly payment. - A filled example for an invented couple comparing three homes, and a blank copy with working formulas. What is inside - **Start Here.** Purpose, which cells to fill in and what the planner cannot tell you. - **Your Finances.** Income, monthly debts, savings and the limits you want to test. - **Compare Homes.** Three homes side by side: payment with taxes, insurance, HOA and mortgage insurance, total monthly cost, debt-to-income and cash to close. - **Closing Costs.** An itemized estimate with the lines you know and blanks for the ones you do not. - **Rate Sensitivity.** The payment and total interest if the rate is higher or lower. - **Rent vs Buy (simple).** Your rent against the monthly cost of owning, with a plain note on what it leaves out. - **Savings Timeline.** How many months it takes to save the cash you need. - **Checks.** Missing inputs and numbers that look out of range. A look inside ## Example data, real formulas [![Compare Homes tab of the Home Buying Cost and Affordability Planner, with example data](/img/toolkits/home-buying-cost-planner/a.png)](/img/toolkits/home-buying-cost-planner/a.png) Compare Homes tab with example data. Made-up numbers. [![Closing Costs tab of the Home Buying Cost and Affordability Planner, with example data](/img/toolkits/home-buying-cost-planner/b.png)](/img/toolkits/home-buying-cost-planner/b.png) Closing Costs tab with example data. Made-up numbers. Get it ## Home Buying Cost and Affordability Planner Or pay with PayPal Uses the email and terms box above. You get the same download link by email. ZIP code (for sales tax) Want every toolkit? The [toolkit membership](/membership) includes all of them, with a lower rate if you pay yearly. Get every update for a year, $29: the [Yearly Updates Pass](/updates-pass?kit=home-buying-cost-planner) gives you each refreshed edition we release of the kits you own. One payment, no automatic renewal. Delivered as a zip with a filled example and a blank copy. Built for Excel, tested in LibreOffice; it should open in Google Sheets but not every feature is tested there. For one business, your own use. General information, not accounting, tax or legal advice. A planning aid, not financial, lending or legal advice. Lenders set their own rules and nothing here predicts approval. Taxes, insurance, closing costs and mortgage insurance vary, so use your own quotes. The rent-versus-buy tab is deliberately simple and ignores appreciation, taxes and what else your money could earn. Payment is handled by Stripe. If a file will not open or something looks wrong, reply to your order email and we will make it right. Ways to get it ## Just this kit, or more This kit **$19 one time** Home Buying Cost Planner. Buy this kit The set **$55 one time** 4 kits including this one, $21 less than buying them separately. [See the set](/toolkits/home-and-big-purchase-bundle) Membership **$29 a month** Every kit and document pack in the store, including new ones. Cancel any time. [See the membership](/membership) Questions ## Common questions **What do I get and how is it delivered?** The Home Buying Cost Planner as two Excel files in one zip: a filled-in EXAMPLE so you can see every tab working, and a BLANK copy for your own numbers, plus a README. The download link arrives by email after payment. **Will it open on a Mac, Google Sheets or my phone?** Built for Excel and tested in LibreOffice, which runs on Mac and Windows; it should open in Google Sheets, but not every feature is tested there. Phone spreadsheet apps are not tested. If a file will not open or something looks wrong, reply to your order email and we will make it right. If it is not right for you, email us within 14 days of buying for a full refund. **Is this legal or tax advice?** A planning aid, not financial, lending or legal advice. **Is it the right fit for me?** It is made for first-time and move-up home buyers who want to compare homes on the same numbers before talking to a lender. Skip it if you want a loan pre-approval or a full rent-versus-buy investment analysis: this compares costs and predicts no approval. Free starter ### Try a free one-tab version first A small working Excel file with the same kind of math, filled with made-up example numbers you can type over. We send one confirmation email, and no series follows. Rather hand it off? ### We can keep the books for you each month If tracking this yourself is more than you want to take on, we do monthly bookkeeping in QuickBooks, Xero or Excel. Tell us what you use and what is behind, and we reply with a written quote after a short review of your books. No obligation. [Get a bookkeeping quote](/bookkeeping/#interest) [Free books health check](/bookkeeping/health-check) Prefer to keep it yourself but want a hand getting started? [Book a 45 minute setup session](/workbook-setup-session) ($65). Buy it with the others [Bundle ### Home and Big Purchase Bundle This product plus 3 more, in one download. $55 instead of $76 separately](/toolkits/home-and-big-purchase-bundle)[### Month-End Close Workbook A real month-end close in one Excel file. It tells you when a rec does not tie, which variances still need an answer, and when the period is ready to lock. $19](/toolkits/month-end-close-workbook) ## More bookkeeping and business toolkits - [Home Project and Renovation Budget Tracker](/toolkits/home-project-budget-tracker) $19 - [Hospitality and Food Service Resume Template Pack](/toolkits/hospitality-food-service-resume-template-pack) $15 - [House Cleaning Business Kit](/toolkits/house-cleaning-business-kit) $24 - [Household Budget and Bill Calendar](/toolkits/household-budget-bill-calendar) $19 - [HSA and Dependent Care FSA Planner](/toolkits/hsa-dependent-care-fsa-planner) $12 - [I-9 and E-Verify Records Kit](/toolkits/i9-and-e-verify-records-kit) $14 [See every toolkit and document pack](/toolkits/all) ## Rather have someone do the books? [Get a Bookkeeping Quote](/bookkeeping/#interest)[Call (908) 444-6373](tel:+19084446373)