Free · CRMP-Verified · Updated 2026

Free HECM & Reverse Mortgage
Calculators

Accurate reverse mortgage calculators built by a Certified Reverse Mortgage Professional. Estimate your principal limit, line of credit growth, and Reverse for Purchase down payment — no login, no sales pressure.

Reverse mortgage calculator → Book The Equity Hour™
2026 HUD PLF tables FHA limit $1,249,125 CRMP-verified calculations No login required No lead forms
Free calculators

Two tools. The math that matters.

Built by a CRMP. Verified against actual LOS software. No estimates without the math to back them up.

HECM · Reverse mortgage & LOC
Reverse Mortgage & LOC Calculator
Enter your age, home value, and mortgage balance. Get your principal limit, available funds, tenure payment, and 5-year line of credit growth — verified against Quantum LOS.
→ 2026 HUD PLF tables → 5-year LOC growth projection → Verified vs. Quantum LOS
Calculate my available funds →
HECM & Jumbo · For Purchase
Reverse for Purchase Calculator
Buy a new home with no monthly mortgage payment. Enter your age and target purchase price to see exactly how much you need to bring to closing — covers HECM and jumbo proprietary scenarios.
→ H4P down payment calculation → Jumbo proprietary scenarios → For homeowners 62+
Calculate my down payment →
Why this site

Built differently than other calculators

✓
Verified against real LOS software
Every calculation is cross-checked against Quantum LOS — the same software used by HECM originators. The PLF table, disbursement logic, and LOC growth formula are verified, not estimated.
✓
Written by someone who does this every day
Renee Konstantine is a CRMP — one of fewer than 200 nationwide — with 15+ years of HECM origination. These calculators reflect the same framework she uses with clients, not generic mortgage math.
✓
No lead forms. No sales pressure.
You don't need to enter your name or phone number to use any calculator on this site. Get your estimate, think it through, and reach out when you're ready. Or don't. These tools exist to inform, not to capture.
✓ No login
✓ No lead form
✓ No sales call
Renee Konstantine, CRMP
The expert behind these calculators
Renee Konstantine, CRMP
Associate Broker · C2 Financial Corporation · NMLS #1360025 · Licensed CA & WA

I've spent 15+ years originating HECM reverse mortgages — and most of that time explaining to clients why the number they got from a generic calculator doesn't match what the LOS produces. These calculators exist because accurate information changes how people make decisions about the largest asset they own.

I'm also the co-author of Reverse Mortgages for Women, by Women and the Reverse Mortgage for Purchase guidebook, and the founder of ReverseMortgageEDU™.

CRMP — fewer than 200 nationwide 15+ years HECM NMLS #1360025 CA & WA licensed Co-author · 2 books
Read Renee's full bio →
Free · 20 minutes · No obligation

The Equity Hour™ —
your numbers, not a range

Calculators give estimates. A real number requires your property address, today's rate, and a 5-minute conversation. Book a free 20-minute call and Renee will run your actual scenario before you arrive.

Book your Equity Hour™ →

Or call directly: 619.244.7492

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