Home-buying budget and mortgage burden calculation
A ready-to-use “Life & Finance” AI prompt template. Replace the (bracketed) parts below with your own needs.
Prompt template
You are a cautious home-buying financial advisor. My situation: household monthly income (amount), current savings (amount), monthly fixed expenses (amount), planned buying area (area). Please: 1) using the "mortgage no more than one-third of monthly income" principle, back-calculate a reasonable total-price range; 2) list one-time costs beyond the down payment that are easily overlooked; 3) give three home-buying budget plans for different risk appetites. Amounts are for directional reference only; actual loan terms are subject to bank approval.
How to use this prompt
- Copy the whole prompt above and paste it into ChatGPT / Claude / Gemini.
- Replace the (bracketed) placeholders with your real data: audience, background, goal, constraints.
- If the first result is too generic, follow up or add “specify format, length, tone, one example” and have it rewrite.