Make it yours
Download the PDF and open it in a form-capable PDF reader to type, check boxes and save your own copy, or print it and write by hand. Complete any totals manually. Your answers are not automatically sent to Enrique.
PAGE 1
Get your details together
PART 1 · Use monthly amounts and realistic take-home income. Fill totals manually; this is a household budget, not a lender qualification calculation.
Money coming in
- Take-home income 1
- Take-home income 2 / other reliable income
- A. Total monthly take-home income
The full housing picture
- Principal & interest
- Property taxes
- Homeowners / flood insurance, if applicable
- Mortgage insurance, if applicable
- HOA / condo dues
- Utilities / internet
- Maintenance / repair savings
- B. Total housing costs
List each expense once. If taxes or insurance are in your quoted payment, separate them above instead of adding the full payment again.
PAGE 2
Your Monthly Comfort Check
PART 2 · Make room for everyday life, future goals and surprises. For annual expenses, divide by 12 before entering a monthly amount.
Life beyond the mortgage
- Food / household needs
- Transportation / vehicle costs
- Debt payments (excluding this mortgage)
- Childcare / caregiving
- Healthcare / other insurance
- Savings / retirement not already deducted
- Other / irregular expenses
- C. Total non-housing spending and savings
Your comfort check
- Monthly cushion = A minus B minus C
- Cash remaining after closing and moving
- Emergency savings I want to retain
What if income falls or expenses rise?
- One adjustment or question to discuss
Sources and context
Educational content; not a loan approval or credit offer. Confirm requirements for your situation with your lender. Sources checked September 10, 2026.