About HECM Calculator
It is an independent calculator based on HUD's own tables.
Through this independent site, HECM Calculator calculates the possible payout from a reverse mortgage insured by the FHA for a homeowner aged 62 or older. Neither HUD nor FHA is its source, and it is not a lender.
For each estimate, the calculator applies principal limit factors from HUD's table. It also uses the 2026 HECM home value limit, HUD's loan fees and the current 10-year Treasury rate. A separate page explains the source of each figure.
HUD's loan data and list of approved counseling agencies provide lender and counselor lists on each state page. They report what HUD published without suggesting a choice.
If HUD updates a rule and we have missed that change, or a figure seems off, send us a note.