HECM (FHA-insured) calculator
HECM (FHA-Insured) Reverse Mortgage Calculator.
Get an instant estimate for an FHA HECM Reverse Mortgage. If you're interested in Jumbo, Proprietary, or Hybrid Retirement Mortgage options, contact Angella for a personalized comparison and estimate based on your unique goals and situation.
Your estimate appears here
Fill in your home value and age on the left. A reverse mortgage is based on three things: the age of the youngest borrower, what the home is worth, and what you still owe on it.
Estimated funds available to you
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Your HECM estimate is just one option. Jumbo and proprietary programs calculate differently. Call Angella or schedule an appointment to explore your options.
- Home value used
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- Estimated principal limit
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- Less mortgage payoff
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What this assumes
- An expected interest rate of 6.00% and the 2026 FHA lending limit of $1,249,125.
- A HECM (FHA-insured) program. Jumbo and proprietary programs calculate differently — ask me.
This calculator does not approve you for a loan and is not an offer to make a loan to you. The estimates are based on the average current interest rate for a Home Equity Conversion Mortgage.
Why the real number needs a conversation
The estimate above uses an assumed interest rate and a standard closing-cost allowance. Your actual figure depends on the expected rate the day your loan is priced, which program fits your goals, and your state's lending rules.
That is a ten-minute phone call, not a form. I respond within one business day, usually the same day — and if a reverse mortgage is not right for your situation, I will tell you that upfront.
Want the personalized number?
A 10-minute phone call beats any online calculator. Free, no SSN, no credit pull.