Free Printable Mortgage Cost Worksheet — PITI & Cash to Close PDF
Line items for down payment, PMI, taxes, insurance, and fees with monthly impact — first-time buyer napkin math before you sign.
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The payment is more than principal and interest
Rent Payment Log (Budget & Finance) tracks paid vs due on housing you already pay for; this estimates future ownership cash flow before you waive contingencies.
Monthly impact converts one-time closing costs into budget reality across the first year.
PMI, taxes, and HOAs vary by zip — Notes is where you park HOA doc page numbers.
Practical setup tips
Before printing the Mortgage Cost Worksheet, decide what one row represents and how often the page will be reviewed. That keeps the sheet from becoming a catch-all notes page and makes the finished record easier to compare with similar pages in the same binder or workflow.
- Cost line should be filled in consistently so the sheet remains useful after the first day of use.
- Est. $ should be filled in consistently so the sheet remains useful after the first day of use.
- Rate / % should be filled in consistently so the sheet remains useful after the first day of use.
- Monthly impact should be filled in consistently so the sheet remains useful after the first day of use.
- Notes should be filled in consistently so the sheet remains useful after the first day of use.
If the printable is part of a formal, financial, medical, legal, or compliance workflow, use it as a planning and note-taking aid alongside the official system or professional guidance that applies to your situation.