Free · CRMP-Verified · Updated 2026

Free Reverse Mortgage
CalculatorNo personal information required

A free reverse mortgage & HECM calculator with no personal information required — no name, no email, no phone number. Estimate your principal limit, line of credit growth, and Reverse for Purchase down payment instantly. Built and verified by a Certified Reverse Mortgage Professional.

Reverse mortgage calculator → Book The Equity Hour™
2026 HUD PLF tables FHA limit $1,249,125 CRMP-verified calculations No personal information 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 personal information. No lead forms.
You don't need to enter your name, email, or phone number to use any calculator on this site — no personal information required, ever. 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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