HECM Reverse Mortgage Principal Limit Calculator

This calculator estimates the HECM reverse mortgage principal limit and principal limit factor for for a given age, home value, and expected interest rate. Select the appropriate values using the sliders below, then click 'Calculate'.

How old is the youngest borrower?    More Info
If you're married, only one spouse needs to be at least 62. The younger spouse can qualify as a non-borrowing spouse. If you're not married, the minimum qualifying age is 62.
Borrower Age:
How much is your home worth?    More Info
Enter how much you could reasonably get for your home if you sold it today.
Home Value:
What expected interest rate to use?    More Info
Select the expected interest rate to use for the calculation.
Expected Interest Rate:

For informational purposes only. MyHECM.com is not a mortgage lender or broker. Please get a formal quote from a qualified professional before making any financial decisions. This calculator reflects the 1/1/2023 lending limit change. This calculator may contain affiliate links through which we may receive compensation at no extra cost to you.