CALGARY FIRST-TIME BUYER READINESS AND EVIDENCE BOARD CalgaryRealEstateTips.ca working worksheet Last reviewed: July 19, 2026 PURPOSE Household objective and minimum hold period; target price and payment ceiling; deposit amount, access, payee and delivery; down-payment source and evidence; closing and adjustment cash; post-closing emergency and capital reserve; income, employment, debt and credit changes; pre-approval, rate hold, lender conditions and refresh date; property approval, appraisal, mortgage insurance and home insurance; representation agreement and professional-team roles; two property-type lanes; Calgary community backups and tested daily routes; showing scorecard and second-visit gaps; supported offer ceiling and no-deal rule; deposit, financing, inspection, condo, title, RPR, permit, suite, insurance and other condition questions; accepted-offer documents, owners and deadlines; proceed, extend, renegotiate or pause threshold; lawyer, funds, signing, adjustments and trusted payment path; walkthrough, repairs, inclusions, key release, utilities, movers and weather fallback; first-week tax, condo or HOA, safety and emergency work; first-month maintenance, warranties and property binder; explicit stop gates; strongest backup property; next decision, evidence owner, source date and review trigger. Use this worksheet to collect property-specific evidence and make the next decision visible. It is an educational planning aid, not legal, tax, lending, appraisal, engineering, inspection, insurance, condo-document, or other professional advice. DECISION CONTEXT Name(s): ________________________________________________ Property / community / search area: _______________________ Property type: ___________________________________________ Budget, price, or value range: _____________________________ Decision to make: _________________________________________ Deadline and reason: ______________________________________ Primary goal: _____________________________________________ What would make me pause or walk away? ____________________ TOPIC EVIDENCE [ ] Household objective and minimum hold period: ________________________________________________ [ ] Target price and payment ceiling: ________________________________________________ [ ] Deposit amount: ________________________________________________ [ ] Access: ________________________________________________ [ ] Payee and delivery: ________________________________________________ [ ] Down-payment source and evidence: ________________________________________________ [ ] Closing and adjustment cash: ________________________________________________ [ ] Post-closing emergency and capital reserve: ________________________________________________ [ ] Income: ________________________________________________ [ ] Employment: ________________________________________________ [ ] Debt and credit changes: ________________________________________________ [ ] Pre-approval: ________________________________________________ [ ] Rate hold: ________________________________________________ [ ] Lender conditions and refresh date: ________________________________________________ [ ] Property approval: ________________________________________________ [ ] Appraisal: ________________________________________________ [ ] Mortgage insurance and home insurance: ________________________________________________ [ ] Representation agreement and professional-team roles: ________________________________________________ [ ] Two property-type lanes: ________________________________________________ [ ] Calgary community backups and tested daily routes: ________________________________________________ [ ] Showing scorecard and second-visit gaps: ________________________________________________ [ ] Supported offer ceiling and no-deal rule: ________________________________________________ [ ] Deposit: ________________________________________________ [ ] Financing: ________________________________________________ [ ] Inspection: ________________________________________________ [ ] Condo: ________________________________________________ [ ] Title: ________________________________________________ [ ] RPR: ________________________________________________ [ ] Permit: ________________________________________________ [ ] Suite: ________________________________________________ [ ] Insurance and other condition questions: ________________________________________________ [ ] Accepted-offer documents: ________________________________________________ [ ] Owners and deadlines: ________________________________________________ [ ] Proceed: ________________________________________________ [ ] Extend: ________________________________________________ [ ] Renegotiate or pause threshold: ________________________________________________ [ ] Lawyer: ________________________________________________ [ ] Funds: ________________________________________________ [ ] Signing: ________________________________________________ [ ] Adjustments and trusted payment path: ________________________________________________ [ ] Walkthrough: ________________________________________________ [ ] Repairs: ________________________________________________ [ ] Inclusions: ________________________________________________ [ ] Key release: ________________________________________________ [ ] Utilities: ________________________________________________ [ ] Movers and weather fallback: ________________________________________________ [ ] First-week tax: ________________________________________________ [ ] Condo or HOA: ________________________________________________ [ ] Safety and emergency work: ________________________________________________ [ ] First-month maintenance: ________________________________________________ [ ] Warranties and property binder: ________________________________________________ [ ] Explicit stop gates: ________________________________________________ [ ] Strongest backup property: ________________________________________________ [ ] Next decision: ________________________________________________ [ ] Evidence owner: ________________________________________________ [ ] Source date and review trigger: ________________________________________________ CALGARY VERIFICATION CONTROL [ ] Property address, community, property type, and decision deadline are recorded. [ ] Budget, price or value range, monthly comfort, and cash reserve are separated. [ ] Current source dates and geography are written beside every market or rule-based claim. [ ] Relevant active alternatives and recent comparable transactions are identified. [ ] Financing, appraisal, insurance, legal, tax, inspection, condo, permit, or specialist questions have an assigned owner. [ ] Documents are saved in one folder with missing items and follow-up dates visible. [ ] The most expensive plausible downside has a cost range and funding plan. [ ] A credible backup property, community, timing, or transaction path is named. [ ] The walk-away or pause rule is written before urgency increases. [ ] The next review date and the evidence that would change the decision are recorded. EVIDENCE LOG Use one row per important fact. Record the source itself, not only who mentioned it. 1. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 2. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ 3. Fact / assumption: ______________________________________ Source / document / professional: ________________________ Date and geography: ______________________________________ Status (known / assumed / missing): _______________________ Owner and follow-up date: _________________________________ RED / AMBER / GREEN DECISION BOARD GREEN - current, property-specific, understood evidence: ____________________________________________________________ AMBER - plausible but waiting on evidence or professional review: ____________________________________________________________ RED - material downside with no acceptable control or fallback: ____________________________________________________________ OPTIONS AND TRADEOFFS Preferred path: ____________________________________________ Best credible alternative: _________________________________ What the preferred path improves: __________________________ What it costs or makes harder: ______________________________ Worst plausible outcome and estimated cost: ________________ How that downside would be reduced or funded: ______________ NEXT-STEP BRIEF Current best decision: _____________________________________ Why the evidence supports it: _______________________________ Three unresolved questions: 1. _________________________________________________________ 2. _________________________________________________________ 3. _________________________________________________________ Next action: _______________________________________________ Owner: __________________________ Due: _____________________ Review trigger: ____________________________________________ Next review date: __________________________________________ PROPERTY-SPECIFIC HELP When requesting help, include the property or community, property type, budget or value range, timeline, documents available, condition deadline, and the exact decision. A useful response should produce a shortlist, risk list, valuation path, document-review path, or assigned next-step plan rather than a generic sales reply.