First-Time Home Buyer Budget Planner | Excel & Google Sheets | Closing Costs and Down Payment Savings Tracker

Buying a home starts with a dream—and a plan for the numbers behind it. This editable Homebuying Financial Planner brings your monthly budget, estimated purchase costs, closing costs, and savings goal together in one connected spreadsheet, available in Excel and Google Sheets.

Your digital download includes one five-tab Excel workbook in a ZIP file, plus a separate Google Sheets access PDF. Both versions include sample figures to replace with your own numbers. Use Microsoft Excel for the .XLSX workbook, or make your own editable Google Sheets copy using a Google account. Software is not included. Enter your details in the pale yellow input cells and keep the formulas intact.

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WHAT’S INSIDE

• Dashboard: See your estimated cash target, additional savings needed, and monthly picture at a glance.
• Home Budget: Compare your current spending with an estimated budget after purchasing.
• Purchase Plan: Enter a home price, down payment, interest rate, and ongoing costs to estimate your monthly housing expenses.
• Closing Costs: Add estimates for lender fees, taxes, insurance, and other costs of buying.
• Savings Plan: Set a monthly contribution and follow your progress toward your cash goal.

HOW IT WORKS

Start with the included sample figures, then replace the pale yellow input cells with your own numbers. The connected tabs update your planning estimates as you go.

YOUR DOWNLOAD

You’ll receive one ZIP file containing the editable .XLSX Excel workbook, plus a separate Google Sheets access PDF. For Excel, download the ZIP, extract the workbook, and open it in Microsoft Excel. For Google Sheets, open the access PDF, click the button, and select Make a copy while signed in to your Google account. Keep a clean original.

Excel and Google Sheets copies do not sync with each other. This is a digital product; no physical item will be shipped.

This workbook is for personal planning. Its figures are estimates and do not determine mortgage eligibility or replace quotes from a lender or local professionals.

A little clarity today can make the path to your next home feel much more manageable. 💚