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.
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.
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.
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.
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'.
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 receiveWhen 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.
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?
The same figures your visitor sees arrive in your lead record. Here's how to read the ones that matter.
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.
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.
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.
Loan Type & Details
Property & Down Payment
Taxes, Insurance & Fees
Additional Options
Field names are shown as they appear in the calculator's English interface.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Included on every plan, including the free Agent plan. No card needed.