Printable planning tool

First-Time Homebuyer Budget Checklist

Printable first-time homebuyer budget checklist for home affordability planning.

Last updated 2026-05-04. Educational planning only.

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☐ Monthly take-home income: ________________________________
☐ Current rent or housing payment: ________________________________
☐ Target mortgage payment: ________________________________
☐ Utilities estimate: ________________________________
☐ Maintenance reserve: ________________________________
☐ Emergency fund after closing: ________________________________
☐ Debt payments: ________________________________
☐ Food, transportation, insurance, and savings: ________________________________

Educational worksheet only. Verify actual mortgage, tax, insurance, HOA, and legal details with qualified professionals.