Explore a monthly payment or estimate reverse mortgage borrowing capacity. No name, email, or phone number is needed to use these tools.
Reverse Mortgage Calculator
Estimate the initial borrowing capacity of an FHA-insured Home Equity Conversion Mortgage (HECM) on your current home. This is a planning estimate, not a loan offer or an eligibility decision.
Estimated initial borrowing capacity
Less upfront FHA mortgage insurance
Less mortgage and lien payoff
Less other closing costs entered
Capacity remaining before set-asides and disbursement limits
This is not cash available at closing. Required reserves for property charges or repairs and limits on first-year withdrawals can reduce the amount available. Fixed-rate and adjustable-rate options have different payout rules.
