First-Time Home Buyer Hub App, Mortgage Calculator, House Hunting Guide (Digital Download)

FIRST-TIME HOME BUYER HUB — the whole journey in one file that actually does the maths.

Every other home-buying planner covers one slice: a wishlist, or a checklist, or a mortgage
calculator. This is all of it — afford it, finance it, find it, offer on it, close on it, move into
it — in a browser app with 52 screens and 200 features, plus a free 40-tab Excel workbook.

Nothing to install. No account. No subscription. It runs offline, and your income, your debts and
your bank balances never leave your own browser.

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WHAT YOU GET (instant download, 4 files)
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▸ First-Time Home Buyer Hub (Web).html — the app. 52 screens, 200 features. Double-click it.
▸ First-Time Home Buyer Hub (Excel).xlsx — 40 tabs, 2,246 live formulas, zero errors. FREE.
▸ Quick Start Guide (10-page PDF) — every calculator explained, and the order to work in.
▸ All 200 Features (6-page PDF) — numbered and grouped, so you know exactly what you own.

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CAN I AFFORD IT?
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✦ Maximum purchase price solved BACKWARDS from your income, debts, rate and down payment
✦ Two ceilings side by side — what a lender will approve, and what you can actually live with
✦ Front-end and back-end DTI live as you move any input, against the 28/36 rule
✦ The honest payment: principal, interest, taxes, insurance, HOA and PMI — then utilities and
maintenance on top, because a $389,000 house is not a $2,306 payment
✦ Reverse solver — tell it the payment you want, it tells you the price that buys
✦ Price-against-rate sensitivity grid, colour-coded to your own budget
✦ Payoff-to-qualify: which debt to clear first to unlock the most house per dollar
✦ Credit Builder — score tiers priced, utilisation maths, 12 ranked actions, dispute log
✦ Down payment plan with a required-monthly-saving solver and gift-fund seasoning rules
✦ Down payment assistance tracker — grants, forgivable seconds, deferred seconds and MCCs,
with the forgiveness schedule if you sell early
✦ Rent vs Buy break-even, including the return you give up on the down payment
✦ New homeowner budget: before and after, line by line, with the categories you will have to cut

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FINANCING
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✦ Conventional, FHA, VA, USDA and Jumbo compared on YOUR numbers — ranked over the years you
actually expect to stay, because FHA mortgage insurance never cancels below 10% down
✦ Lender comparison for four Loan Estimates: every fee line, ranked on true five-year cost
✦ Shoppable-versus-fixed fee flags, so you know which lines actually move
✦ Points calculator with break-even in months, plus 2-1 and 3-2-1 buydown schedules
✦ PMI removal planner — the three dates it can end, and what $200 extra a month buys
✦ Full amortisation schedule with extra payments, and the 80% equity line marked
✦ Rate lock tracker with extension costs
✦ Pre-approval tracker — pre-qual vs pre-approval vs underwritten, and why it matters
✦ 40-document vault, grouped, with what has been sent

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FINDING THE HOME
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✦ Wishlist with weighted must-haves, nice-to-haves and deal breakers — rated by BOTH of you,
with a disagreement report ranked by how far apart you are
✦ House-hunting scorecard: a weighted score out of 100 for every home. A failed deal breaker
costs 25 points, so a charming house cannot outscore a workable one
✦ Side-by-side comparison, six homes on thirty rows, best-in-row highlighted
✦ True cost to own — PITI, HOA, utilities, upkeep and the commute, per home, per month
✦ Tour log with room-by-room notes and 30 questions to ask at every showing
✦ Neighbourhood scorecard across twelve criteria, plus flood zone and HOA review
✦ Commute test at the hour you will really drive it, in hours and dollars per year
✦ 45 condition red flags with cost bands, and the age of every system with years of life left

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OFFER TO CLOSING
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✦ Offer builder with net-to-seller, offer-strength read and escalation ladders with a hard cap
✦ Negotiation log, gap tracker, and a walk-away number you write down BEFORE the first counter
✦ Contract deadline calendar, auto-dated from acceptance, with the earnest money at risk
✦ Inspection findings triaged into deal breaker / negotiate / fix later / cosmetic, with a
repair request you can copy and send
✦ Appraisal gap planner — pay it, renegotiate, split it or walk, all four costed
✦ 38-line closing cost estimator, estimated against actual, with tolerance breaches flagged
✦ Prepaids modelled properly: 12 months of insurance, tax escrow months, per-diem interest
✦ Escrow account explained, including the year-two shock when taxes reassess
✦ 40-point final walkthrough and the wire-fraud protocol that saves down payments

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MOVING IN AND THE FIRST YEAR
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✦ 67-task moving timeline, auto-dated from your closing
✦ Moving cost comparison with the 15% contingency the industry never mentions
✦ 12 utilities and 18 address changes tracked, with the right start and stop dates
✦ Box inventory by destination room
✦ 36-job seasonal maintenance calendar, priced
✦ Home reserve — sinking funds by system, with years of life left
✦ Improvement project planner with realistic recoup-at-resale percentages

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ALSO INSIDE
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✦ 12-step roadmap with a "you are done when…" for every stage
✦ 85-task timeline, auto-dated backwards from your target closing date
✦ Weighted readiness score across the eight things an underwriter actually looks at
✦ 18 plain-text reports you can paste straight into an email
✦ Print Pack — eight blank sheets built to be carried: tour sheet, scorecard, comparison,
offer summary, walkthrough, moving day, questions to ask, budget
✦ Glossary of 120 mortgage and real-estate terms in plain English, searchable
✦ 30 common first-time-buyer mistakes, with the fix for each
✦ Light and dark themes, and a one-click backup you own

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HOW IT WORKS
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1. Download the ZIP and unzip it.
2. Double-click the .html file. It opens in Chrome, Edge, Safari or Firefox.
3. Put your numbers into Buyer Profile. Every other screen reads from it.
4. Work down the sidebar in order. Everything recalculates instantly.

Works on Windows, Mac, iPad and Android. Saves automatically in your browser. Export a backup
file any time. Prefer spreadsheets? The Excel workbook covers the same ground with live formulas.

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PLEASE NOTE
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This is a digital download. Nothing is posted. Because of that, all sales are final — but if
anything does not work, message me and I will fix it.

This is arithmetic, not financial or legal advice. Rates, mortgage-insurance factors and fee
bands move with the market, and every figure in the app is an estimate you should check against
your own Loan Estimate. Use it to know what to ask, and to check what you are told.

Every screenshot in this listing is a real screenshot of the actual product. Nothing is mocked up.