Membership
One membership: every in-depth guide, plus the Deal Workspace. Templates are sold separately and bought once — see below.
Every in-depth guide across Mortgage, Insurance, Investment, Salary, Rent and Budget, plus the Deal Workspace — our per-property case file for tracking a purchase from pre-approval to closing.
- Every in-depth guide, across every category
- Deal Workspace — per-property case file, multi-deal comparison, and buying-journey checklist
- Unlimited saved calculations
- The full article library, always free
Total Mortgage Template
$49.99All six worksheets, each with its own combined Tips & FAQs tab, plus offline versions of every one of the site's nine calculators — twenty-three tabs in one workbook with an index that jumps straight to any of them. Rent vs. buy, closing costs, refinance break-even, mortgage points, first-time buyer programs, the early payoff tracker, and working payment, affordability, monthly-debt, HELOC, ARM-vs-fixed, PMI removal, refinance, points, and first-time-buyer calculators. Plus the site's full 6,500-word national buying guide for offline reading. The nine calculator tabs are only available here.
- Index tab
- Rent vs. buy worksheet, plus a combined Tips & FAQs tab
- Closing cost checklist, plus a combined Tips & FAQs tab
- Refinance break-even worksheet, plus a combined Tips & FAQs tab
- Mortgage points worksheet, plus a combined Tips & FAQs tab
- First-time buyer program comparison, plus a combined Tips & FAQs tab
- Early payoff tracker, plus a combined Tips & FAQs tab
- Payment calculator
- Affordability calculator
- Monthly debt calculator
- HELOC calculator
- ARM vs. fixed calculator
- PMI removal calculator
- Refinance calculator
- Points calculator
- First-time buyer calculator
- National buying guide (offline)
Format: Excel (.xlsx)
Look inside
Preview only — scroll to read it. The file you download is fully editable.
| Total Mortgage Template | |
| Every CalculatorByState mortgage worksheet in one workbook — one tab each. Click a name below to jump straight to a tab, or use the tabs along the bottom of the window. Each tab works on its own; nothing here depends on you filling in another tab first. Blue cells are yours to fill in, yellow cells… | |
| Worksheets | |
| ƒx | Line up what you pay to rent today against the real all-in cost of owning, then see how long it takes for buying to pay back its upfront cost. |
| ƒx | Every fee that typically appears on a closing statement, with a Yes/No column to check against your own Loan Estimate and estimated-vs-actual totals. |
| ƒx | Whether a refinance actually pays for itself — break-even month, a stay-long-enough check, and the term-reset trap a monthly-payment comparison hides. |
| ƒx | Compare up to three real point quotes side by side and see which one genuinely costs least over the years you'll actually keep the loan. |
| ƒx | Three assistance programs side by side, with income/price/credit limits checked against your own numbers and a place to record every source. |
| ƒx | A live 360-month amortization schedule that recalculates as you change your extra payment, showing months saved, interest saved, and the invest-instead comparison. |
| Calculators | |
| Offline versions of the free calculators on calculatorbystate.com. | |
| ƒx | Your true all-in monthly payment - principal, interest, tax, insurance, PMI, and HOA. |
| ƒx | Works backwards from your income and debts to the maximum home price a lender would support. |
| ƒx | Totals the recurring debt payments a lender counts, and shows how much room that leaves for a housing payment. |
| ƒx | How much equity you can actually borrow against, and what a HELOC costs before and after the draw period ends. |
| ƒx | An ARM's intro-period saving against the worst-case payment once your caps are applied. |
| ƒx | The month you can request PMI removal, the month it must end by law, and what the gap costs. |
| ƒx | The quick single-scenario version — break-even month and verdict. See the Refinance Break-Even Worksheet tab for the fuller comparison. |
| ƒx | The quick single-scenario version — cost, effective rate, and break-even. See the Mortgage Points worksheet tab to compare three quotes. |
| ƒx | The same eligibility check the site runs per state, applied to any one program's published limits you enter yourself. |
| Reading | |
| The site's complete end-to-end buying guide, included for offline reference. Free to read online too. | |
| ƒx | https://calculatorbystate.com/blog/mortgage/buying-a-home-in-the-usa-in-2026 |
| All eight of the site's calculators are covered. Refinance, Mortgage Points, and First-Time Buyer each have a fuller worksheet above rather than a separate calculator tab, so nothing is missing - those three worksheets do everything the calculators do and more. | |
| These worksheets are general planning tools, not financial, tax, or legal advice. Every figure you get out of them depends on the figures you put in — confirm real numbers with your lender, insurer, or advisor. For sourced, state-by-state data, see calculatorbystate.com. |
This template is general information, not financial, legal, or tax advice.