Use your own lending factor and assumptions; this is not an age-based eligibility test, legal entitlement, or lender quotation.
Calculate with the Reverse Mortgage Calculator
Enter the details below. Required values are validated before results are shown.
Reverse Mortgage Calculator results
How to use the Reverse Mortgage Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
A 45% entered factor on a 500,000 property gives a gross illustrative lending amount of 225,000 before debt and costs.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Official program information: HUD reverse mortgage information
Frequently asked questions
Is this reverse-mortgage result an eligibility decision?
The user-entered factor is not an official limit and no age, eligibility, tax, or estate-planning conclusion is produced. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the Reverse Mortgage Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the Reverse Mortgage Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.