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Estimate reverse mortgage proceeds from home value, age and rate — see lump sum, tenure and line of credit.
Estimate reverse mortgage proceeds from home value, age and rate — see lump sum, tenure and line of credit.
Enter values above and click Calculate — results will appear here with the formula explained.
Reverse mortgage (HECM) principal limit factor increases with age and lower rates. At 62, factor ~0.45, at 75 ~0.55, at 80 ~0.60 of value at 5% expected rate.
This is estimate; FHA calculation uses age, value (up to $1.15M limit), rate and program. Proceeds can be lump sum, tenure or line of credit.
For YMYL, reverse mortgage is complex with fees (2% origination, MIP) and impacts inheritance — get HUD counseling, not just this estimate.
Estimate reverse mortgage proceeds from home value, age and rate — see lump sum, tenure and line of credit. Formula: Principal limit factor ~0.45 at 62, +0.01 per year after, times value at rate 5%.
Reverse mortgage (HECM) principal limit factor increases with age and lower rates. At 62, factor ~0.45, at 75 ~0.55, at 80 ~0.60 of value at 5% expected rate.
This is estimate; FHA calculation uses age, value (up to $1.15M limit), rate and program. Proceeds can be lump sum, tenure or line of credit.
For YMYL, reverse mortgage is complex with fees (2% origination, MIP) and impacts inheritance — get HUD counseling, not just this estimate.
With $400k value, age 70, 5% rate: factor ~0.53, principal limit ~$212k, lump sum ~$200k after fees.
Formulas are standard public references (see our methodology). External standards are cited in the text where they apply.
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