Is there a handy calculator/worksheet that outlines all of housing related costs, mortgage, upkeep, utilities.
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There are worksheets that can outline all housing related costs that will include mortgage, utilities. You can buy Dummies for homebuyers book at the local bookstore. If you live in PA the PHFA has a workbook too (www.phfa.org) or you can go to the Housing and Urban Development web site http://www.hud.org. They have addresses of non-profit organizations listed on their web site that helps out first time homebuyers with workbooks and worksheets like the one you are seeking.