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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 ($1,249,125) and illustrative PLF factors at an Expected Interest Rate of 6.5%.

Figures reviewed January 2026. HECMAcademy audits published HUD limits and fee caps at least quarterly.

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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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Every HECM borrower is required to complete counseling with a HUD-approved housing counselor before applying. It is free (or low-cost, sliding scale), independent, and designed to protect you.

HECMAcademy is not a lender and does not take applications. HUD counselors are independent of HECMAcademy.

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