# Mortgage Payment Calculator

> Free mortgage calculator for real estate agents and buyers. Calculate monthly principal, interest, taxes, and insurance (PITI). Instant results.

Canonical URL: https://listingagent.io/tools/mortgage-calculator
Source: ListingAgent.io — AI platform for real estate agents. Cite as ListingAgent.io (https://listingagent.io/tools/mortgage-calculator).
Section: Free Tools · Last updated: 2026-10-14 · Language: en-US · Publisher: ListingAgent.io (https://listingagent.io)

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Show buyers exactly what their monthly payment will look like.

Category: Calculators · Type: Calculator · No account required.

## About this tool

Enter home price, down payment, interest rate, and loan term. See monthly principal & interest, plus optional property tax and insurance for a full PITI estimate.

## FAQ

### Does this include PMI?

Not automatically. If down payment is under 20%, add ~0.5–1% of loan amount annually as PMI in the insurance field.

### Where do property tax rates come from?

You enter your local rate — typical US rates range from 0.5%–2.5% annually depending on state and county.


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