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Best for purchase budget
Bay Area Affordability Calculator
A Google Sheets-ready XLSX model for max purchase price, PITI, cash-to-close, city transfer taxes, and Bay Area city comparisons.
Built as a reusable workflow, not a one-off PDF.
Designed around inspectable assumptions and source notes.
Why not just ask AI?
You are buying a working model, not a paragraph.
Persistent structure: formulas, tabs, databases, or linked views keep assumptions connected after the chat window is gone.
Local data scaffolding: Bay Area city and neighborhood assumptions are preloaded so you start from a local model instead of a blank prompt.
Decision memory: the tool preserves scenarios, rankings, notes, and source checks you can revisit with a partner, lender, agent, or roommate.
What this replaces
A generic mortgage calculator that ignores transfer tax, HOA dues, city medians, and day-one cash.
Income, debt, savings, down payment, and credit-score inputs
DTI-based purchase-price engine for common loan assumptions
21-city comparison tab with medians, HOA, tax, and monthly payment logic
Scenario modeler for buy now vs. wait vs. move farther out
Use it when
The decision needs structure before emotion takes over.
- You need a fast budget range before talking to lenders.
- You want to compare San Jose, Oakland, Concord, Vallejo, and other cities side by side.
- You are trying to understand how much cash is actually needed on day one.
Ready to use it?
Get Bay Area Affordability Calculator.
Educational planning tool only. Verify numbers with your lender, agent, attorney, CPA, electrician, HOA, or local official before relying on them.
Buy on Gumroad - $19