<h2>Buying Your First Home? Know Your Numbers First.</h2><p>This toolkit calculates what you can actually afford, estimates your real monthly payment (including taxes, insurance, and PMI), and shows exactly how much cash you need at closing.</p><ul><li>Affordability calculator based on income, interest rate, and down payment</li><li>Full mortgage estimate with P&I, property tax, insurance, and PMI</li><li>DTI ratio check (banks want under 28%)</li><li>Down payment savings tracker with monthly deposit and interest</li><li>Closing cost estimator for all buyer costs</li><li>Property comparison sheet to evaluate up to 4 homes side by side</li></ul><p>The spreadsheet your real estate agent wishes every buyer had.</p>