First-Time Homebuyer Tools · Free

Your first home starts with a plan.

See every step from first conversation to keys in hand, check your debt-to-income ratio, and give every dollar a job for the next 12 months. Thinking of moving up or down? There’s a guide for that too.

Explore the tools
TOOL 02

Debt-to-Income Calculator

Enter your monthly income and minimum debt payments to see your DTI today, then add an estimated new home payment to see how it changes.

Stays on your device. Nothing is sent anywhere.

Open the DTI Calculator Download the Excel worksheet
TOOL 03

12-Month Budget Tracker

Plan each month, see where every dollar goes, and write down a monthly goal and a win to celebrate.

Stays on your device. Nothing is sent anywhere.

Open the Budget Tracker
TOOL 04

Buyer Readiness Checklist

Check off each step to see how ready you are to buy, then send your finished checklist to Viva.

Your answers stay on your device until you choose to send them.

Open the Readiness Checklist Download the PDF
TOOL 05

Upgrade or Downsize Guide

Thinking about a bigger home or a smaller one? Work through the guide, then send your answers to Viva.

Your answers stay on your device until you choose to send them.

Open the Upgrade or Downsize Guide Download the PDF
Questions about any step? Text or call 704-980-2130, or email hello@vivasellscarolina.com.