Reverse Mortgage Calculator
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.
Loan Details
Your Results
Enter your loan details to see your personalized reverse mortgage calculation
Maximum Claim Amount
The MCA is the lesser of your home's appraised value or the 2025 FHA lending limit of $1,209,750
Principal Limit Factor
The PLF is determined by your age and current interest rates, similar to a loan-to-value ratio
Principal Limit
The amount you can access through your reverse mortgage, calculated as MCA × PLF
