Reverse Mortgage Calculator
Estimate how much of your home equity you may be able to access with a reverse mortgage. Move the sliders or type your numbers.
6295+
$50,000$2,000,000
$0$1,000,000
Estimated available equity
$125,000
This is an estimate only, not a loan offer. Actual amounts depend on interest rates, appraisal, and lender requirements. Home value above $1,209,750 (the FHA limit) isn't counted.
How this reverse mortgage estimate works
The amount you can borrow rises with the age of the youngest borrower. We apply an age-based share — about 35% at 62 rising to about 60% at 85 and older — to your home value, then subtract what you still owe. Any existing mortgage is usually paid off first from the reverse mortgage proceeds.