Spreadsheet template

Know whether the offer works before you fall in love with the house.

A downloadable workbook for cash to close, monthly burn, seller proceeds, renovation risk, household budget, and Conservative / Target / Stretch offer scenarios.

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The Real Cost to Buy Workbook

v1.0 · Updated May 31, 2026

$29

Start Here

Assumptions

Offer Dashboard

Scenario Comparison

Mortgage Scenarios

Buy vs Sell

Renovation Budget

Household Budget

Debt Schedule

Built from the spreadsheet workflow behind the free calculators, cleaned up around one question: does this offer still work after the real costs show up?

The-Real-Cost-to-Buy-Workbook.xlsx

See what you are buying

The workbook is built around the decision screen first, then the supporting scenario and budget tabs behind it.

Offer Dashboard

Top-line verdict, cash to close, monthly burn, seller proceeds, and warnings.

Scenario Comparison

Conservative, Target, and Stretch offers side by side.

What buyers get

The free site is for quick answers. The paid workbook is for serious buyers who want to save scenarios, change assumptions, compare offers, and see the warnings before stretching their budget.

Offer Readiness Dashboard with cash-to-close, monthly housing cost, budget leftover, seller proceeds, and warnings

Conservative / Target / Stretch scenario comparison so buyers can see when an offer becomes uncomfortable

Mortgage price matrix with down payment, loan amount, P&I, taxes, insurance, PMI, HOA, and total monthly cost

Buy vs Sell worksheet for payoff, commissions, seller closing costs, credits, and net cash after buying

Renovation, household budget, debt, paycheck, housing cost, and retirement tabs adapted from the original workbook system

What makes it buyer-ready

Start Here guide with input/output/warning conventions

Editable formulas with no locked cells

Excel-first, Google Sheets-friendly layout

Compatibility and delivery

Works best in Microsoft Excel; Google Sheets-friendly for core formulas

No macros, no hidden scripts, and no locked cells

One-time purchase with editable formulas

Delivered as a downloadable .xlsx file after checkout

Support and refund policy

If the file does not open or formulas are broken, email support within 7 days.

Duplicate the workbook before changing formulas so you always have a clean backup.

Refunds are handled through the checkout provider listed on your receipt.

Support: support@homebythenumbers.com

Ready to buy?

The workbook is built for buyers who want the offer math, budget risk, and cash picture in one editable file.