Reverse Mortgage Calculator HECM Calculator: Net Available Line of Credit or Tenure Payment for a Variable Rate Loan Home's Appraised Value HECM Eligible Amount 10-Year Constant Maturity Treasury Rate Lender's Margin Monthly Insurance Premium Age of Youngest Eligible (Borrower or Non-Borrower) Spouse Note: Round age up if birthday falls within six months of the first day of the month that the loan will close Age Modified Expected Rate Principal Limit Factor Maximum Possible Amount Loan origination fee Initial mortgage insurance Other closing costs (appraisal, titling, etc.) Total Upfront Costs Percentage of Upfront Costs to be Financed Debt Repayment, Repairs, or Other Life-Expectancy Set-Aside (LESA) Requirements Net Available HECM Credit Monthly Annual Payout Rate Net Available as a Tenure Payment Term Payment Calculator Desired Term Horizon (Years) Monthly Annual Net Available as a Term Payment