San Diego · Reverse Mortgages

Reverse Mortgage Calculator — Estimate Your Range

By Amanda LaRussa · Mortgage Broker, NMLS #2166834 · Licensed in CA, AZ, TX

Use the educational estimator below to get a rough sense of what might be available — then talk through your real numbers with Amanda for a personalized analysis.

Reverse Mortgage Estimate Range

Get a rough, educational sense of what might be available. This is not a quote — factors like your exact age, current rates, and program guidelines determine your real numbers.

Use your best estimate of current market value.
A reverse mortgage typically must pay off any existing mortgage at closing.
72
Must be 62 or older. If married, this is generally the younger spouse's age.
Estimated Available Range
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Enter your home value to see an estimate.
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This tool provides a simplified, educational estimate only and is not a loan quote, pre-qualification, or commitment to lend. It does not use official HUD Principal Limit Factor tables and does not account for current interest rates, closing costs, mortgage insurance premiums, servicing fees, or program-specific guidelines — all of which affect your actual available proceeds. The FHA HECM lending limit used in this estimate is $1,249,125 (2026). You continue to own your home and must continue meeting loan obligations, including property taxes, homeowners insurance, home maintenance, and occupancy requirements. Reverse mortgages are not right for every homeowner. For an accurate, personalized figure, contact Amanda LaRussa, NMLS #2166834, Edge Home Finance Corporation, NMLS #891464. Equal Housing Lender.

What this calculator is — and is not

The estimator above gives a simplified, educational range based on home value, existing mortgage balance, and borrower age. It does not use official HUD Principal Limit Factor tables and cannot account for today's exact interest rates, closing costs, or your full financial picture.

For a real number you can plan around, schedule a free strategy session. I will walk through your specific situation — what you could receive, what it costs, and whether a reverse mortgage fits your retirement plan.

What determines how much you can receive

  • Age of the youngest borrower — older borrowers generally qualify for more proceeds
  • Appraised home value — up to the FHA HECM lending limit ($1,249,125 in 2026)
  • Current interest rates — lower rates generally increase available proceeds
  • Existing liens — any current mortgage is paid off from proceeds first
  • Payout option — lump sum, line of credit, monthly payments, or a combination
  • Financial assessment — property charge set-asides may reduce available funds if needed

HECM lending limit (2026)

For FHA-insured HECM loans, the maximum claim amount is capped at the FHA lending limit — $1,249,125 for 2026. San Diego homes valued above that limit still use the cap for calculation purposes on a standard HECM.

High-value San Diego properties may benefit from a jumbo (proprietary) reverse mortgage, which uses higher home values in the calculation. See our HECM vs. Jumbo comparison for details.

Example scenarios (illustrative only)

These are simplified illustrations — not quotes. Your actual proceeds depend on a full analysis:

  • Homeowner, age 70, home worth $900,000, no existing mortgage — may access a significant portion of equity as a line of credit or lump sum
  • Couple, ages 62 and 65, home worth $1.4M — HECM proceeds calculated on the lending limit; jumbo reverse may unlock more
  • Homeowner, age 75, home worth $750,000 with $200,000 remaining mortgage — proceeds first pay off the mortgage; remainder available per payout choice

Want to talk through your situation?

Schedule a conversation with Amanda LaRussa, NMLS #2166834 — no pressure, just clear answers.

Schedule a Conversation