$29 · one-time · .xlsx download
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.
The Real Cost to Buy Workbook
v1.0 · Updated August 15, 2026
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
01Inside the workbook
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.
02What buyers get
The answers, in one file
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.
- 01
- Offer Readiness Dashboard with cash-to-close, monthly housing cost, budget leftover, seller proceeds, and warnings
- 02
- Conservative / Target / Stretch scenario comparison so buyers can see when an offer becomes uncomfortable
- 03
- Mortgage price matrix with down payment, loan amount, P&I, taxes, insurance, PMI, HOA, and total monthly cost
- 04
- Buy vs Sell worksheet for payoff, commissions, seller closing costs, credits, and net cash after buying
- 05
- Renovation, household budget, debt, paycheck, housing cost, and retirement tabs adapted from the original workbook system
03Buyer-ready
What makes it buyer-ready
- Start Here guide with input/output/warning conventions
- Editable input cells with protected formula outputs
- Excel-first layout with readable core formulas
04Compatibility
Compatibility and delivery
- Works best in Microsoft Excel; core formulas can be reviewed in Google Sheets
- No macros and no hidden scripts
- One-time purchase with editable inputs and protected outputs
- Delivered as a downloadable .xlsx file after checkout
05Support
Support and refund policy
- 7-day refund window for broken files or material misrepresentation — see our Refund Policy for full terms.
- Duplicate the workbook before changing formulas so you always have a clean backup.
- By purchasing, you agree to our Terms of Service and acknowledge our Privacy Policy.
Support: support@homebythenumbers.com
$29 · one-time purchase
Ready to buy?
The workbook is built for buyers who want the offer math, budget risk, and cash picture in one file with editable inputs and protected formulas.