Reverse Mortgage (HECM) Calculators
50 free calculators — all 50 states
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth against your home's equity, using real 24 CFR Part 206 federal rules.
All Calculators
Alabama Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Alabama home equity, using real HUD/FHA rules and your home's value.
Alaska Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Alaska home equity, using real HUD/FHA rules and your home's value.
Arizona Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Arizona home equity, using real HUD/FHA rules and your home's value.
Arkansas Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Arkansas home equity, using real HUD/FHA rules and your home's value.
California Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. California home equity, using real HUD/FHA rules and your home's value.
Colorado Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Colorado home equity, using real HUD/FHA rules and your home's value.
Connecticut Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Connecticut home equity, using real HUD/FHA rules and your home's value.
Delaware Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Delaware home equity, using real HUD/FHA rules and your home's value.
Florida Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Florida home equity, using real HUD/FHA rules and your home's value.
Georgia Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Georgia home equity, using real HUD/FHA rules and your home's value.
Hawaii Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Hawaii home equity, using real HUD/FHA rules and your home's value.
Idaho Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Idaho home equity, using real HUD/FHA rules and your home's value.
Illinois Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Illinois home equity, using real HUD/FHA rules and your home's value.
Indiana Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Indiana home equity, using real HUD/FHA rules and your home's value.
Iowa Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Iowa home equity, using real HUD/FHA rules and your home's value.
Kansas Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Kansas home equity, using real HUD/FHA rules and your home's value.
Kentucky Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Kentucky home equity, using real HUD/FHA rules and your home's value.
Louisiana Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Louisiana home equity, using real HUD/FHA rules and your home's value.
Maine Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Maine home equity, using real HUD/FHA rules and your home's value.
Maryland Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Maryland home equity, using real HUD/FHA rules and your home's value.
Massachusetts Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Massachusetts home equity, using real HUD/FHA rules and your home's value.
Michigan Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Michigan home equity, using real HUD/FHA rules and your home's value.
Minnesota Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Minnesota home equity, using real HUD/FHA rules and your home's value.
Mississippi Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Mississippi home equity, using real HUD/FHA rules and your home's value.
Missouri Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Missouri home equity, using real HUD/FHA rules and your home's value.
Montana Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Montana home equity, using real HUD/FHA rules and your home's value.
Nebraska Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Nebraska home equity, using real HUD/FHA rules and your home's value.
Nevada Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Nevada home equity, using real HUD/FHA rules and your home's value.
New Hampshire Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. New Hampshire home equity, using real HUD/FHA rules and your home's value.
New Jersey Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. New Jersey home equity, using real HUD/FHA rules and your home's value.
New Mexico Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. New Mexico home equity, using real HUD/FHA rules and your home's value.
New York Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. New York home equity, using real HUD/FHA rules and your home's value.
North Carolina Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. North Carolina home equity, using real HUD/FHA rules and your home's value.
North Dakota Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. North Dakota home equity, using real HUD/FHA rules and your home's value.
Ohio Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Ohio home equity, using real HUD/FHA rules and your home's value.
Oklahoma Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Oklahoma home equity, using real HUD/FHA rules and your home's value.
Oregon Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Oregon home equity, using real HUD/FHA rules and your home's value.
Pennsylvania Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Pennsylvania home equity, using real HUD/FHA rules and your home's value.
Rhode Island Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Rhode Island home equity, using real HUD/FHA rules and your home's value.
South Carolina Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. South Carolina home equity, using real HUD/FHA rules and your home's value.
South Dakota Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. South Dakota home equity, using real HUD/FHA rules and your home's value.
Tennessee Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Tennessee home equity, using real HUD/FHA rules and your home's value.
Texas Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Texas home equity, using real HUD/FHA rules and your home's value.
Utah Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Utah home equity, using real HUD/FHA rules and your home's value.
Vermont Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Vermont home equity, using real HUD/FHA rules and your home's value.
Virginia Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Virginia home equity, using real HUD/FHA rules and your home's value.
Washington Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Washington home equity, using real HUD/FHA rules and your home's value.
West Virginia Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. West Virginia home equity, using real HUD/FHA rules and your home's value.
Wisconsin Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Wisconsin home equity, using real HUD/FHA rules and your home's value.
Wyoming Reverse Mortgage (HECM) Calculator
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth vs. Wyoming home equity, using real HUD/FHA rules and your home's value.
About Reverse Mortgage (HECM) Calculators
Estimate HECM reverse mortgage upfront costs (origination fee, mortgage insurance premium) and project your loan balance growth against your home's equity, using real 24 CFR Part 206 federal rules. All 50 calculators are free to use, require no sign-up, and provide instant, formula-based results — see each calculator's own methodology section below for exactly how its figures are calculated and sourced.
Each calculator includes a detailed methodology section explaining the formulas used, data sources cited with verification dates, and frequently asked questions to help you understand the results. Results are shareable and print-friendly.