Jumbo / Proprietary Reverse Mortgage Calculator
For higher-value homes above the FHA lending limit, proprietary “jumbo” reverse mortgages can unlock significantly more — up to several million dollars.
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Standard HECMs are capped by an FHA lending limit. For higher-value homes, proprietary or “jumbo” reverse mortgages can unlock substantially more — sometimes several million — and may serve borrowers as young as 55.
Proprietary programs aren’t government-insured, so terms and costs vary by lender and state.
Frequently asked questions
What is a jumbo reverse mortgage?
A proprietary reverse mortgage for higher-value homes that exceeds the FHA HECM limit.
Minimum age for proprietary programs?
Some allow borrowers as young as 55, vs. 62 for most HECMs.
Is it FHA-insured?
No — proprietary programs are private and not FHA-insured.
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Open calculator →What this calculates
Estimates proprietary (jumbo) reverse mortgage proceeds.
Assumptions & methodology
- Lender programs vary widely.
- 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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