Reverse Mortgage Calculator (HECM Estimate)
How much can a reverse mortgage actually pay out? Enter your age, home value and existing balance for an indicative principal-limit estimate ? before you talk to a counselor or lender.
Reverse Mortgage Estimator (HECM)
yrs
HECM requires 62+; some proprietary jumbos 55+
$
$
%
Lender margin over index (typ. 2–3%)
Estimated Net Proceeds
$208,350
≈ 46.3% of home value (indicative PLF)
Estimated principal limit$208,350
Existing mortgage to pay off$0
Available as lump sum / line / tenure$208,350
Estimate only — actual HECM principal limits use FHA tables by expected rate and age, plus origination (up to $6,000), MIP (2% upfront + 0.5%/yr), and closing costs. A HUD-approved counseling session is required.
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