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Calculator

California Jumbo Reverse Mortgage Estimator

Shows how the federal maximum claim amount applies to a California home value, and where a proprietary or jumbo product would be the relevant option instead.

Your details

No name, email or phone number is needed. The full result appears below the button.

Or an eligible non-borrowing spouse, if younger.
Your own estimate is fine.
Enter 0 if the home is owned outright.
Used to point you at county-level information.
A percentage from a HUD-approved counsellor or a lender, e.g. 41.2. Leave blank if you don't have one.
Your own figure for insurance, origination and closing costs.
No contact information required.

Assumptions

  • The home is in California and is the borrower's primary residence.
  • The federal maximum claim amount caps the home value counted by the HECM program, not the value of the home.
  • Proprietary and jumbo reverse mortgages are not FHA-insured and are not subject to the federal maximum claim amount.
  • Existing liens are paid off from proceeds at closing.

Methodology

  • The federal maximum claim amount is read from the program constants record with its publisher and effective date.
  • California legal content renders from the California content records with a citation and retrieval date, never from page copy.

Calculation rules and program parameters are stored centrally with a value, effective date, source and last-verified date. Read our methodology and data sources.

Limitations

  • An estimate is not a loan quote, offer, commitment or guarantee of eligibility.
  • Proprietary and jumbo product terms, limits and availability vary by company and are only listed here once verified.
  • California requirements that apply to your application are published on our California pages with their citations.

Disclosure wording for this tool is not final and is pending review.

Learn more

Reverse Mortgages in CaliforniaJumbo & Proprietary in CaliforniaJumbo Reverse Mortgages
Disclosure: This tool produces an illustration from the assumptions shown alongside it. It is not a quote, an offer, an approval, or a statement that you qualify. MethodologyHow we make moneyDisclosuresTermsPrivacy
Editorial independence: Rankings and scores are determined by our published editorial methodology and are not influenced by compensation. How we make money

This page does not yet carry a named author or expert reviewer. We do not sign pages with an anonymous "editorial team": named bylines and reviewer sign-off appear here once the contributors responsible for this page are on record.

How this page is produced: Rankings and scores are determined by our published editorial methodology and are not influenced by compensation. MethodologyEditorial StandardsHow We Make MoneyData & SourcesCorrectionsDisclosures