Reverse mortgage calculator

A quick, educational estimate of the funds you could access through a HECM. Not a loan offer.

Estimated available funds

$—

This is an illustrative estimate only. Your actual proceeds depend on current rates, lender margins, property type, and a full FHA financial assessment.

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What this calculates

Estimates potential reverse mortgage proceeds based on age, home value and existing mortgage.

Assumptions & methodology

Uses illustrative principal-limit factors and rates.
Results are estimates based on the figures you enter and simplified assumptions.
Taxes, fees, rates and individual circumstances can change real outcomes.

Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.

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