HECM Reverse Mortgage Calculator

Estimate your FHA-insured reverse mortgage principal limit and net proceeds using HUD's 2026 lending limit and approximate principal limit factors. No personal information required.

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All fields are estimates. We use 2026 HUD limits ($1,209,750) and illustrative PLF factors at an Expected Interest Rate of 6.5%.

Youngest borrower ageMust be 62–95.Home appraised value (USD)$50,000 – $5,000,000.Expected interest rate (%)4.0 – 10.0. Default 6.5.Existing mortgage balance (optional)Will be deducted from net proceeds.

Educational only. Not a loan offer. HECMAcademy is not a lender. Figures are illustrative estimates based on approximate HUD principal limit factors and do not reflect a specific lender's pricing, your final qualified rate, or third-party closing costs. Speak with a HUD-approved counselor and a licensed reverse mortgage lender for personalized figures.

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