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Buyers' Resources - Financing & Credit
 

Budget Basics Work Sheet
8 Steps to Getting Your Finances in Order  |  Budget Basics Work Sheet  |  8 Ways to Improve Your Credit 5 Factors That Decide Your Credit Score  |  How Big a Mortgage Can I Afford? 10 Questions to Ask Your Lender  |  10 Things a Lender Needs From You  |  6 Creative Ways to Afford a Home Choices That Will Affect Your Loan  |  5 Property Tax Questions You Need to Ask

The first step in getting yourself in financial shape to buy a home is to know what you make and what you spend now. List your income and expenses below.

INCOME

Take-Home Pay/All Family Members

Child Support/Alimony

Pension/Social Security

Disability/Other Insurance

Interest/Dividends

Other

TOTAL INCOME

EXPENSES

Rent/Mortgage

Life Insurance

Health/Disability Insurance

Vehicle Insurance

Homeowners or Other Insurance

Car Payments

Other Loan Payments

Savings/Pension Contribution

Utilities

Credit Card Payments

Car Upkeep

Clothing

Personal Care Products

Groceries

Food Prepared Outside the Home

Medical/Dental/Prescriptions

Household Goods

Recreation/Entertainment

Child Care

Education

Charitable Donations

Miscellaneous

TOTAL EXPENSES


REMAINING INCOME AFTER EXPENSES  
(TOTAL INCOME - TOTAL EXPENSES)


8 Steps to Getting Your Finances in Order  |  Budget Basics Work Sheet  |  8 Ways to Improve Your Credit 5 Factors That Decide Your Credit Score  |  How Big a Mortgage Can I Afford? 10 Questions to Ask Your Lender  |  10 Things a Lender Needs From You  |  6 Creative Ways to Afford a Home Choices That Will Affect Your Loan  |  5 Property Tax Questions You Need to Ask
Content from REALTOR® Magazine Online with permission of the
NATIONAL ASSOCIATION OF REALTORS® Copyright 2005.
All rights reserved. www.REALTOR.org/realtormag
   
 
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