📊 HOME AFFORDABILITY CALCULATOR — INCLUDES CHART Excel Template ⭐⭐⭐⭐⭐

📝 Overview:
This Home Affordability Calculator is a scenario-based Excel tool for estimating the maximum home price a buyer can afford. It models income, debt, housing expenses, and available funds—ideal for buyers, mortgage consultants, and financial advisors assessing affordability across multiple constraints.

✔️ What’s Included:
• 1 x Excel spreadsheet (.xlsx)
• Income-based, DTI-based, and fund-based affordability logic
• Customisable inputs for taxes, insurance, HOA, and other expenses
• PI vs. PITI separation and depreciation modelling
• Help worksheet with 28/36 rule and usage guidance

🎯 Perfect For:
• Homebuyers estimating affordability
• Mortgage brokers and real estate consultants
• Financial advisors modelling purchase scenarios
• Educators teaching housing finance and budgeting

⚙️ Features:
• Calculates max home price based on income, debt, and available funds
• Supports monthly housing expense breakdown and closing cost logic
• Includes depreciation modelling for investment analysis
• Excel-native formatting—no macros or plugins required
• Reusable across income levels, housing markets, and loan terms

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