This mortgage calculator for realtor websites answers the first question every buyer has on a listing: what would the monthly payment be? It covers principal and interest, property tax, insurance, HOA and mortgage insurance across conventional, FHA, VA and USDA loans. Put it under the price on each listing, and every buyer who asks for their breakdown becomes a lead you can call with something useful to say.
Live calculatorThis is the calculator your visitors use. Try it with a real listing price.
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Why put a mortgage calculator on a listing page?
Because the payment, not the price, decides whether a buyer keeps looking. A calculator pre-filled with the list price lets them test a down payment and rate privately, and the moment they like a number is the right moment to offer to send it. That's when buyers leave their details.
When you'd send it
When to put the Mortgage Calculator in front of people
Under the price on every active listing
Set the default home price to the list price, so the first thing a visitor sees is a realistic payment for that home. It's the single highest-traffic place on your site, and the payment is the question behind most showing requests.
In the follow-up to a showing
After a showing, text the buyer a direct link to the calculator for that property. They can test a larger down payment or a different rate with their partner at home, and their new calculation lands back in your CRM.
On your 'Buying with us' page
Buyers early in the process want to know what a payment looks like in your area. Pair the mortgage calculator with affordability on your buyer page, so they see both 'what does this house cost' and 'what can we afford'.
What your visitor sees
Your visitor picks a loan type (conventional, FHA, VA or USDA), adjusts the home price, down payment, rate and term, and sees the total monthly payment split into principal and interest, property tax, insurance, HOA and mortgage insurance. They can add extra payments to see interest and time saved. They're deciding whether this home fits the monthly budget they have in mind.
The lead you receive
A buyer lead that tells you their comfortable payment
When a buyer asks for their breakdown, you get the Home Price, Down Payment, Interest Rate and loan type they used, plus the Monthly Payment, Principal & Interest, Property Tax, Home Insurance and Mortgage Insurance they saw. The payment they settled on tells you their budget more honestly than a price range on a form.
Follow-up that works
Reply with two or three active listings that land near the same payment, not the same price.
If they chose FHA or VA, offer an introduction to a lender you trust for a real Loan Estimate, without paying for or receiving a referral fee.
Tag the lead with the listing address and loan type so your CRM drip sends the right content.
New lead · Mortgage CalculatorJust now
What your visitor enters
Loan Type
their input
First Time VA Loan?
their input
Home Price
their input
Down Payment
their input
Interest Rate (%)
their input
Loan Term (years)
their input
What they see (and what you receive)
Monthly Payment
their result
Principal & Interest
their result
Property Tax
their result
Home Insurance
their result
HOA Fees
their result
Contact and source
Name, email, phone
with consent
Page and campaign
UTM · referrer
Say it like this · Texting a buyer lead the evening they submit
Thanks for running the numbers on 14 Elm. You were looking at about a $3,200 payment with 10% down. I have two homes nearby in the same range this weekend. Want me to send them?
Before and after
Your page before and after this calculator
BeforeAfter
3 bd · 2 ba · Craftsman
Schedule a showingSend
3 bd · 2 ba · Craftsman
Mortgage CalculatorLoan TypeFirst Time VA Loan?Home PriceMonthly PaymentEmail me this breakdown
Before: Schedule a showing
Only buyers ready to tour will fill it in
Late-night browsers leave without a trace
You don't know the budget until a lender tells you
After: Estimate your payment
Every visitor can test the payment privately
The lead form appears next to the payment they liked
You see price, down payment and loan type before you call
Reading the results
What each result means for your follow-up
The same figures your visitor sees arrive in your lead record. Here's how to read the ones that matter.
Monthly Payment
The full estimated payment: principal and interest plus tax, insurance, HOA and any mortgage insurance. Buyers compare this to their rent, so use it when you suggest other listings.
Mortgage Insurance
PMI on conventional loans with less than 20% down, or MIP on FHA. A large figure here is a cue to talk about down payment options or loan programs with a lender.
Loan-to-Value
The loan as a percentage of the price. Above 80% usually means mortgage insurance on a conventional loan. It's a quick read on how much cash the buyer is planning to bring.
Interest Saved
Shows up when the buyer tests extra payments. Buyers who play with this are often more financially engaged, so they're worth a call about long-term plans.
What can go wrong
Mistakes that cost agents the lead
Leaving the default price on every listing
A generic price makes the payment meaningless. Set the default home price to the list price on each listing page, or use a property-specific link, so the first number the buyer sees is about the home in front of them.
Using a rate you can't stand behind
Rates change weekly. Keep the default rate close to current market levels and say that it's an estimate. A buyer who discovers the real payment is much higher at the lender may blame the messenger.
Presenting it as a pre-approval
A payment estimate is not a Loan Estimate or a pre-approval. Avoid copy like 'see what you qualify for' next to this calculator. Send buyers to a lender for qualification.
Inside the Mortgage Calculator
What your visitor enters (22)
Loan Type & Details
Loan Type
State
Start Date
Military Service
First Time VA Loan?
VA Disability Exempt?
FHA Upfront MIP
FHA Annual MIP
USDA Upfront Fee
USDA Annual Fee
Property & Down Payment
Home Price
Down Payment
Interest Rate (%)
Loan Term (years)
Taxes, Insurance & Fees
Property Tax
Tax Period
Home Insurance
Insurance Period
HOA Fees (monthly)
PMI Rate
Additional Options
Extra Monthly Payment
One-Time Payment
Field names are shown as they appear in the calculator's English interface.
What they see (and what you receive) (16)
Monthly Payment
Principal & Interest
Property Tax
Home Insurance
HOA Fees
Mortgage Insurance
Loan Type
Loan Amount
Down Payment
Loan-to-Value
Upfront Fee Financed
Total Interest
Total Cost
Payoff Date
Interest Saved
Time Saved
Definitions shown in the calculator (10)
Principal & interest
The part of the monthly payment that repays the loan: principal reduces the balance, interest pays the lender for the money still owed. On a fixed-rate mortgage this amount stays the same for the whole term, while the split shifts from mostly interest toward mostly principal. Taxes, insurance and HOA dues are added on top.
Interest rate
The annual note rate the lender charges on the unpaid balance. The calculator divides it by 12 and applies it monthly. It is not the APR, which also folds in lender fees and points. On a 30-year loan even a quarter-point change noticeably moves both the monthly payment and total interest.
Loan term
The number of years over which the mortgage is scheduled to be repaid, most commonly 30 or 15. A longer term lowers the monthly payment but keeps the balance outstanding longer, so total interest rises sharply. A shorter term means higher payments and far less interest over the life of the loan.
Down payment
The cash paid toward the purchase price at closing; the loan covers the rest. In this calculator the loan amount is the home price minus the down payment. On a conventional loan, putting down less than 20% usually adds PMI, and a larger down payment lowers the loan-to-value ratio, the payment and total interest.
PITI
Principal, interest, taxes and insurance: the four parts of a typical monthly housing payment. Lenders use PITI, plus HOA dues and mortgage insurance where they apply, to judge affordability. The monthly payment this calculator shows is the full figure, not just principal and interest, which is the number most online quotes lead with.
Amortization
The schedule by which equal monthly payments gradually pay off the loan. Early payments go mostly to interest because the balance is large; later payments go mostly to principal. Extra or one-time payments go straight to principal, which is why the calculator shows interest saved and an earlier payoff date when you add them.
Loan-to-value (LTV)
The loan amount divided by the home’s value or price, shown as a percentage. A $280,000 loan on a $350,000 home is 80% LTV. Lenders use LTV to set pricing and decide whether mortgage insurance is required; on conventional loans, PMI generally applies above 80% LTV.
PMI
Private mortgage insurance, charged on conventional loans when the down payment is under 20%. It protects the lender, not you. The calculator applies your PMI rate yearly to the loan amount and divides by 12. Under the Homeowners Protection Act you can request cancellation at 80% of original value, and it ends automatically at 78%.
FHA mortgage insurance (MIP)
The mortgage insurance premium on FHA loans, charged instead of PMI. It has two parts: an upfront premium of 1.75% of the base loan, usually financed, and an annual premium, 0.55% in the common case (HUD Mortgagee Letter 2023-05, effective March 20, 2023). The annual premium is divided into monthly installments.
VA funding fee
A one-time fee on VA loans, usually financed into the loan. For first use it is 2.15% with under 5% down, 1.5% with 5% to under 10% down, and 1.25% with 10% or more (VA, effective April 7, 2023); subsequent use costs more. Many veterans with a service-connected disability are exempt, which the calculator lets you select.
Calculator disclaimer
Estimates only. Your actual payment depends on the rate, taxes, insurance and fees you're offered. Confirm final figures with a licensed lender.
Calculator results are estimates for illustration, not Loan Estimates, pre-approvals or offers of credit.
Principal and interest, property tax, homeowners insurance, HOA dues and mortgage insurance where it applies (PMI on conventional loans under 20% down, MIP on FHA, the guarantee fee on USDA). VA loans have no monthly mortgage insurance but may have a funding fee, which the calculator can finance into the loan.
How does it handle FHA, VA and USDA loans?
Choosing a loan type applies that program's rules: FHA upfront and annual MIP, the VA funding fee by down payment and first or subsequent use, and USDA upfront and annual guarantee fees. The figures come from HUD, VA and USDA with effective dates, and they're shown in the calculator's definitions.
Where does the property tax figure come from?
From the tax amount or rate entered. You can set a default that suits your county, and the visitor can change it. For a specific listing, use the actual annual tax bill from the listing data, because tax on a new purchase can differ from the current owner's bill.
Should I show this to buyers before they talk to a lender?
Yes, as a starting point. It helps buyers see what a home costs per month and frames the lender conversation. Just be clear it's an estimate. The lender's Loan Estimate, issued within three business days of an application, has the real figures.
What should I say when a buyer's payment looks too high?
Show the levers without pushing a product: a larger down payment, a different loan program, a lower-priced home or a temporary buydown the seller pays for. The mortgage points calculator and affordability calculator help with that conversation.
Can buyers use it in Spanish?
Yes. The calculator runs in English and Spanish, and visitors can switch languages. You can also lock it to Spanish on a Spanish-language listing page. Definitions and disclaimers switch too.
Can I pre-fill the list price for each listing?
Yes. Set the default home price in the calculator settings for that listing's embed, or create a separate calculator configuration per listing. On single-property sites, each site gets its own embed with that property's price, taxes and HOA.
Where do leads from this calculator go?
To your CalcCapture contacts and your inbox on every plan. On Team and Brokerage they can also go by webhook to HighLevel, Zapier, Make or any CRM that accepts a webhook, with the calculator's inputs and results as fields. See lead capture.
Will it slow down my listing page?
The inline embed loads a small script after your page, and the calculator renders in an isolated shadow DOM, so it doesn't block your photos from loading or clash with your site's styles. On pages with many embeds, use one widget instead of several separate calculators.