Calculate your potential Home Equity Conversion Mortgage (HECM) benefits. Find out how much you can access based on your home's value, age, and current interest rates.
The MCA is the lesser of your home's appraised value or the 2025 FHA lending limit of $1,209,750
The PLF is determined by your age and current interest rates, similar to a loan-to-value ratio
The amount you can access through your reverse mortgage, calculated as MCA × PLF