Estimate your maximum reverse mortgage loan amount and whether you could receive cash-out — or need cash to close — based on age, home value, and current mortgage balance.
Program & Borrower
Choose the product type to apply the correct age and LTV rules.
Property & Mortgage
Estimated current market value of your home.
$
Total current liens to be paid off at closing.
$
Your Estimated Results
HECM Lending Limit Applied: Your home value of exceeds the 2026 FHA cap of $1,249,125. The calculation uses the capped value. Amount above cap: .
Potential Loan Amount (Principal Limit)
Max Allowed LTV (Age-Based)
?
Estimated from age-based tables. Does not include investor/fee/rate adjustments that affect actual amounts.
Effective Home Value Used
Current LTV
Estimated Cash-Out Available
Estimated Cash to Close Required
Proceeds fully cover your existing balance — no cash-out and no cash to close.
HECM vs. Jumbo Comparison
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FHA HECM
Jumbo
Minimum Age
62
55
Max LTV (Your Age)
Effective Home Value
Principal Limit
Est. Cash-Out
Value Cap
$1,249,125
None
Green values indicate the higher estimate at your current inputs. Actual amounts depend on lender guidelines, rates, and fees.
Disclaimer: This calculator is for informational and educational purposes only and provides a simplified estimate. It does not constitute financial, legal, or tax advice, nor does it guarantee loan approval or specific proceeds. Actual reverse mortgage terms and eligibility depend on many factors including (but not limited to) interest rates, lender/investor guidelines, fees and closing costs, property type, occupancy requirements, payoff demands, set-asides, and financial assessment. FHA HECM estimates may be affected by the FHA lending limit and other FHA program rules. Please consult a qualified reverse mortgage professional for a personalized quote and official eligibility determination. FHA HECM calculations are based on the 2026 county limit of $1,249,125.