Your HECM proceeds depend on three factors: the age of the youngest borrower, the lesser of your home's value or the 2026 HUD limit of $1,249,125, and the expected interest rate at application. Actual proceeds typically range between roughly 40% and 60% of that value, according to industry data from Griffin Funding. Use the estimator below for a rough idea, then talk to a licensed advisor for your real numbers.
Enter your home's approximate value and the age of the youngest borrower. This gives a rough illustrative range only — not a loan offer or guaranteed amount.
This is a rough illustrative estimate only, not a loan offer, quote, or guarantee. Actual proceeds depend on official HUD principal limit factor tables, current interest rates, existing mortgage payoff, and closing costs, and require HUD-approved counseling and a formal lender calculation.
Older borrowers generally access a higher percentage of value, since the loan is expected to accrue interest for a shorter period.
Lenders use the lesser of your appraised value or the 2026 national limit of $1,249,125.
Lower expected rates increase your principal limit; higher expected rates reduce it.
HECM for Purchase combines your next home purchase and your reverse mortgage into one closing.
See HECM for Purchase →Private consultation with Kelly or Ray Nadeau. We'll run your real numbers using current rates and HUD tables — no obligation.
📞 321-321-9455 · Kelly Nadeau NMLS #1027618 · Ray Nadeau NMLS #1027617