HECM Calculator

HECM calculator widget for counselors and advisers

Planners, counseling agencies and elder-law firms can embed a HECM calculator at no cost on their own site in one line of code, based on HUD's factors.

Paste the one line of code below into your own site. This embeddable HECM calculator for counselors and advisers matches the worksheet found on our home page. There is no charge, no sign-up is needed and nothing is collected from your visitors.

<iframe src="https://hecm-calculator.com/?embed=1" title="HECM calculator" width="100%" height="760" style="border:0;max-width:960px" loading="lazy"></iframe>

What the embedded calculator shows

Your visitors see the whole HECM worksheet rather than a teaser:

  • three inputs: the age of the youngest borrower, the home value and what is still owed on the mortgage
  • optional settings for other closing costs, rate type and lender's margin
  • For age and rate, HUD's principal limit factor
  • Every cost line shows 2% upfront mortgage insurance. Each one also lists the capped origination fee, along with closing costs.
  • what remains available once costs are taken out, plus the first-year limit
  • the ways to receive the money, including a monthly payment that lasts for life

$1,249,125 is the 2026 HECM limit it uses, together with HUD's full factor table. The widget includes lines stating that it is an estimate, counseling is required and it is not from HUD or FHA.

What it does not do

  • No name, phone number, email or ZIP code is asked for.
  • Nothing anyone types is stored or sent.
  • It sets no cookies, and no third-party scripts or ads load with it.
  • Visitors are never directed to a lender.

A counseling agency site can use it safely, since staying independent from lenders matters there.

How to add the HECM calculator widget

  1. Copy that code line from above.
  2. Paste the code into the page, at the place for the calculator. You can put it in an HTML block or an embed block on most site builders.
  3. Publish the page, then test a few numbers to see whether it fits your layout.

It adjusts to the width of your page and runs on phones and tablets.

Using it with clients

In a session, a counselor can use it to display how the result shifts with age, the home value and a mortgage payoff. Line by line, an adviser can check a lender's quote by entering the margin and closing costs from that lender's written estimate and comparing the money available.

It works as an estimate, never as a loan offer, and it does not take the place of HUD-approved counseling. The lender guide describes HUD's own HECM calculator, a tool for lenders that runs inside FHA's systems. This calculator is meant for the public.

Terms of use: a reverse mortgage calculator on your website

  • Use it free on any site, commercial ones included.
  • The estimate line and the "not from HUD or FHA" line must stay visible, along with a link back to hecm-calculator.com.
  • You must not present these results as a loan offer of your own or as a figure from HUD.
  • Everything in the full terms of use applies.

Questions people ask

  1. Is it possible to add a calculator as a widget?

    Yes, that works. Any page that accepts HTML works: paste the embed line there and the calculator appears on it.

  2. Is the embeddable HECM calculator free to use?

    Yes, it is free. You pay nothing, and there is no account and no limit on how much you use it. The only thing we ask is that you leave the disclaimer lines and the link back in place.

  3. Which reverse mortgage calculator is best when it asks for no personal information?

    Look for one that shows every cost line plus HUD's factor and never asks for contact details. This one does both, on our home page as well as in the widget.

  4. Am I looking at the HUD HECM calculator?

    No. This tool comes from neither HUD nor FHA. Numbers here follow HUD's published factors, plus FHA's rules; HUD's own calculator is meant for lenders.