First-Time Homebuyer Affordability Binder

Know what you can actually afford before you fall in love with a house. This binder helps first-time buyers understand the full cost of homeownership, prepare lender questions, and approach the process with clear eyes.

• Affordability Snapshot (28/36 rule calculator)
• Monthly Payment Stress Test
• Hidden Cost Tracker (closing costs, PMI, taxes, HOA, maintenance)
• Lender Questions Checklist (9 must-ask questions)
• Inspection Red Flags List
• Neighborhood Comparison Grid
• Offer Preparation Checklist

Instant download. US Letter format. Print-ready PDF.

Educational use only. Not financial, mortgage, legal, or tax advice. Consult licensed professionals before any real estate decision.