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Mortgage & Home Loans · Essentials & Buying a Home

Mortgage Calculator

Monthly payment, interest breakdown, and amortization for a fixed-rate mortgage.

  • Free to use here · embed on the Free plan
  • 14 inputs · 16 results
  • English & Spanish

Try the Mortgage Calculator

Enter your purchase details — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Mortgage calculator works out

The Mortgage Calculator is a free, embeddable calculator from CalcFunnel. Monthly payment, interest breakdown, and amortization for a fixed-rate mortgage.

You enter 14 inputs: loan type, state, start date, home price, down payment, interest rate (%), loan term (years), property tax, tax period, home insurance, insurance period, HOA fees (monthly), extra monthly payment and one-time payment.

It returns monthly payment, principal & interest, property tax, home insurance, HOA fees and mortgage insurance, plus 10 more figures.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Monthly Payment
  2. 02Principal & Interest
  3. 03Property Tax
  4. 04Home Insurance
  5. 05HOA Fees
  6. 06Mortgage Insurance
  7. 07Loan Type
  8. 08Loan Amount
  9. 09Down Payment
  10. 10Loan-to-Value
  11. 11Upfront Fee Financed
  12. 12Total Interest
  13. 13Total Cost
  14. 14Payoff Date
  15. 15Interest Saved
  16. 16Time Saved

The first figure — monthly payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Loan Type & Details

Loan Type
No extra help text.Options: Conventional · FHA · VA · USDA · Jumbo
State
No extra help text.
Start Date
No extra help text.
Military ServiceWhen Loan Type is VA
No extra help text.Options: Regular Military · Reserves/National Guard
First Time VA Loan?When Loan Type is VA
No extra help text.Options: Yes - First Time · No - Subsequent Use
VA Disability Exempt?When Loan Type is VA
No extra help text.Options: No · Yes - Exempt
FHA Upfront MIPWhen Loan Type is FHA
No extra help text.
FHA Annual MIPWhen Loan Type is FHA
No extra help text.
USDA Upfront FeeWhen Loan Type is USDA
No extra help text.
USDA Annual FeeWhen Loan Type is USDA
No extra help text.

Property & Down Payment

Home Price
The purchase price of the home. Your loan amount is this price minus your down payment.
Down Payment
Cash you pay upfront. A larger down payment lowers your loan amount and may remove PMI.
Interest Rate (%)
The annual note interest rate on your loan (not the APR, which also folds in fees). Even a small change noticeably affects the monthly payment.
Loan Term (years)
How many years to repay the loan. A shorter term means higher payments but far less total interest.

Taxes, Insurance & Fees

Property Tax
Tax charged by your local government on the property. Set the period (monthly or yearly) on the right.
Tax Period
No extra help text.Options: Monthly · Yearly
Home Insurance
Homeowners insurance premium. Lenders require it and usually collect it with your monthly payment.
Insurance Period
No extra help text.Options: Monthly · Yearly
HOA Fees (monthly)
Monthly homeowners-association dues, if the property has them (common for condos and planned communities).
PMI RateWhen Loan Type is Conventional or Jumbo
Private Mortgage Insurance, charged yearly as a % of the loan when your down payment is under 20%.

Additional Options

Extra Monthly Payment
An extra amount added to every payment. It goes straight to principal and shortens your payoff.
One-Time Payment
A single lump-sum payment toward principal — useful for modeling a bonus or windfall.

For your website

Embed this calculator on your website

Put the Mortgage Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Mortgage calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Mortgage Calculator calculate?
Monthly payment, interest breakdown, and amortization for a fixed-rate mortgage. It returns monthly payment, principal & interest, property tax, home insurance, HOA fees and mortgage insurance, plus 10 more figures.
Q.02What information do I need to use the Mortgage Calculator?
You enter 14 inputs: loan type, state, start date, home price, down payment, interest rate (%), loan term (years), property tax, tax period, home insurance, insurance period, HOA fees (monthly), extra monthly payment and one-time payment. Depending on your choices it may also ask for military service, first time VA loan?, VA disability exempt?, FHA upfront MIP, FHA annual MIP, USDA upfront fee, USDA annual fee and PMI rate. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Home Price” mean in the Mortgage Calculator?
The purchase price of the home. Your loan amount is this price minus your down payment.
Q.04What does “Down Payment” mean in the Mortgage Calculator?
Cash you pay upfront. A larger down payment lowers your loan amount and may remove PMI.
Q.05Is the Mortgage Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Mortgage Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Mortgage Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Mortgage results financial advice?
No. Estimates only. Your actual payment depends on the rate, taxes, insurance and fees you're offered. Confirm final figures with a licensed lender.

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Your website does the math. You get the lead.

The Mortgage Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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