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Calculator

Reverse Mortgage Eligibility Calculator

Helps homeowners see which program requirements they can already answer and which need a lender or counsellor.

This tool is in verification. The calculation method and program parameters must be validated against authoritative sources before figures are published. You can use the full tool now; it will summarise your inputs rather than produce numbers.

Your details

This tool organises the requirements an application is assessed against. It does not approve, decline or pre-qualify anyone.

Two-letter state abbreviation
No name, email or phone number is required.

Assumptions

  • Requirements differ between the FHA-insured HECM program and proprietary products.
  • Counselling, occupancy and property standards are assessed by the lender, not by this tool.

Methodology

  • Screening rules are stored as verified configuration entries with sources and effective dates.
  • Until those rules are verified, this tool summarises your answers without scoring them.

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

  • This tool never states that you qualify or do not qualify.
  • Only a lender can determine eligibility, after a financial assessment and full application.

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

Learn more

EligibilitySpousesReverse Mortgages 101
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