Free Reverse Mortgage Calculator (HECM)

Free Reverse Mortgage Calculator

Instant estimate—no personal info stored. Enter birthdays (you & spouse if applicable), home value, any existing mortgage balance, and ZIP, then tap Calculate.

2025 nationwide HECM maximum claim amount (editable).
Used to estimate the PLF. Replace with HUD PLF lookup for production.
This is an estimate; actual figures depend on underwriting, HUD/FHA rules, rates, and local fees. First-year disbursement limits may apply.
Youngest age: —ZIP: —

Available Cash

Mortgage Payoff

Closing Costs

Remaining Equity

Principal Limit

Maximum Claim Amount (MCA)