VerveSheets
Formulas for

Calculate Mortgage Payments

Finance1 credit/cellSheets · Excel
=VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "downpayment")
What this pulls

Run mortgage math in a cell. Returns monthly payment and total interest — Google Sheets or Excel.

It's one of 250+ live sources you reach with a single =VERVE() function — served from APIVerve's production data engine, billed at 1 credit per resolved cell, and refreshed on whatever cadence you set. No API keys to wrangle, no scripts, no exports.

See it in a cell

A real example — the input you type, and the values you can pull from it. Click any cell to see the formula behind it.

mortgagecalculator.xlsxsample data
D2fx=VERVE("mortgagecalculator", A2, B2, C2, "field", "downpayment")
A
B
C
D
E
1
Amount
Rate
Years
Downpayment
Monthly payment › Total
2
570000
6.8
30
0
3715.97
3
4
click any cell to see its formula1 credit / cell
Ways to use it

Live financial model

Drop =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "downpayment") into a cell and your model reads the latest number every refresh — no more pasting figures from a browser tab into a stale sheet.

Track a whole watchlist

Fill a column beside your list of tickers or currencies and every row updates together, so a hundred-row watchlist stays current on its own.

Dashboards that don't rot

Point a chart at the cell =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "downpayment") feeds and the chart re-draws as the data moves — a finance dashboard that's live instead of a Monday-morning snapshot.

Use it in your sheet

The same function works in both apps — install once, sign in with your key, and type it into any cell.

Google SheetsAdd-on

Install from the Workspace Marketplace, then drop the formula into a cell. Autocomplete suggests the source and its fields.

=VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "downpayment")
Microsoft ExcelAdd-in

Same source, same arguments, same key — in Excel on desktop, the web, or mobile. Excel namespaces it as VERVE.CALL. Drag to fill a whole column.

=VERVE.CALL("mortgagecalculator", 570000, 6.8, 30, "field", "downpayment")
Optional inputs

Tune the result by adding name=value before the field argument — in any order. Leave one out and its default applies.

  • downpayment

    The down payment amount

    =VERVE("mortgagecalculator", 570000, 6.8, 30, "downpayment", "15000")
  • annual_propertytax

    The annual property tax amount

    =VERVE("mortgagecalculator", 570000, 6.8, 30, "annual_propertytax", "2000")
  • annual_homeinsurance

    The annual home insurance amount

    =VERVE("mortgagecalculator", 570000, 6.8, 30, "annual_homeinsurance", "1200")
  • annual_hoa

    The annual HOA amount

    =VERVE("mortgagecalculator", 570000, 6.8, 30, "annual_hoa", "500")
Fields you can pull

Add a field name as the last argument to land just that value in the cell.

  • Total interest paidPremium
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "total_interest_paid")
  • Total loan paymentPremium
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "total_loan_payment")
  • Interest RatioPremium
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "interestRatio")
  • Monthly payment › Total
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "monthly_payment.total")
  • Monthly payment › Mortgage
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "monthly_payment.mortgage")
  • Monthly payment › Property tax
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "monthly_payment.property_tax")
  • Monthly payment › Hoa
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "monthly_payment.hoa")
  • Monthly payment › Home insurance
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "monthly_payment.home_insurance")
  • Annual payment › Total
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "annual_payment.total")
  • Annual payment › Mortgage
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "annual_payment.mortgage")
  • Annual payment › Property tax
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "annual_payment.property_tax")
  • Annual payment › Hoa
    =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "annual_payment.hoa")

Premium marks data included on paid plans. On the Free plan a marked field is withheld and a marked input is ignored — either way the cell reads #PREMIUM(name) instead of a value, so a gated answer can never be mistaken for a real one. Everything unmarked works on every plan. Compare plans

Calculate Mortgage Payments, answered

Everything you need to wire it into a sheet.

How do I pull Calculate Mortgage Payments into Google Sheets?
Install the VerveSheets add-on, sign in once with your key, and type =VERVE("mortgagecalculator", 570000, 6.8, 30, "field", "monthly_payment.total") into any cell. The "field" argument names the value you want back, so the cell resolves to a single number or string you can chart, sort, or feed into another formula.
What data can I pull from Calculate Mortgage Payments?
Calculate Mortgage Payments returns monthly_payment.total, monthly_payment.mortgage, monthly_payment.property_tax, monthly_payment.hoa and monthly_payment.home_insurance, plus 4 more — name any one of them as the "field" argument and that value lands in the cell. Leave the field out and the whole record spills into a two-column table instead.
Can I narrow what Calculate Mortgage Payments returns?
Yes — Calculate Mortgage Payments takes "downpayment", "annual_propertytax", "annual_homeinsurance" and "annual_hoa" as optional inputs. They go in as "name", value pairs after the required ones, in any order, so =VERVE("mortgagecalculator", 570000, 6.8, 30, "downpayment", "15000") shapes the result without changing anything else.
Which Calculate Mortgage Payments fields need a paid plan?
total_interest_paid, total_loan_payment and interestRatio are included from the Starter plan up. On the Free plan the cell returns #PREMIUM(field) rather than a wrong or empty value, so it's always obvious which one to upgrade for. Every other field works on Free.
Can I fill a whole column of Calculate Mortgage Payments at once?
Yes. Put your amount values down a column and point the formula at the range — A2:A50 instead of A2 — and one call returns a value for every row. Dragging the formula down works too, but the range form is a single billed call per column rather than one per cell.
How many credits does each Calculate Mortgage Payments cell cost?
Each resolved cell costs 1 credit. A cell only re-bills when it actually refreshes, so a sheet you aren't touching doesn't keep charging.
Does Calculate Mortgage Payments work in Excel as well as Google Sheets?
Yes — same arguments, same key, same fields. Excel namespaces custom functions, so the call is =VERVE.CALL() there and =VERVE() in Google Sheets; nothing else about it changes.
Combine it with
Balance Sheet
=VERVE("balancesheet", "AAPL", "field", "company")
Benchmark Rates
=VERVE("benchmarkrate", "SOFR", "field", "name")
BIN Lookup
=VERVE("binlookup", "448590", "field", "brand")
Calculate Income Tax
=VERVE("incometaxcalculator", 85000, 22, "field", "year")
Calculate Loan Payments
=VERVE("loanpaymentcalculator", 32000, 8.5, 6, "field", "downpayment")
Calculate Sales Tax
=VERVE("salestaxcalculator", 100, "90210", "field", "taxRate")
Browse all sources

Put Calculate Mortgage Payments in your next spreadsheet. Add the extension, paste the formula, and the cell keeps itself current.

Add to Google Sheets→Add to Excel

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