The warm-up lap
What could your numbers look like?
Slide, don't type. This is a sample home equity check-up — an illustrative look at what a HECM might make available, how much would pay off an existing mortgage, and what's left to work with. The real check-up with Kelly uses HUD's actual tables, live rates, and your appraised value.
Older generally means more available. Eligibility starts at 62.
The 2026 HECM lending limit is $1,249,125; value above it isn't counted. Higher-value homes: ask Kelly about jumbo reverse options.
Any existing mortgage is paid off first at closing — that's how the payment disappears.
Sample estimate · illustrative expected rate 6.5%
$0
estimated funds your home could make available*
- Pays off your mortgage $0
- Remaining available to you $0
- Equity staying in the home $0
In this sample, the estimated available funds don't fully cover the mortgage balance — but real-world numbers, jumbo options, or a small cash contribution often change that picture. This is exactly what a check-up sorts out.
*All figures on this page are illustrative planning estimates for educational purposes only — not a quote, an offer, a rate lock, or a determination of eligibility, and accuracy is not guaranteed. Actual reverse mortgage proceeds are set by HUD program rules and depend on the age of the youngest borrower (or eligible non-borrowing spouse), current interest rates, the home’s appraised value, the HECM lending limit, and required fees and set-asides. Borrowers must continue to pay property taxes, homeowners insurance, and home maintenance costs. Contact Kelly for figures specific to your situation.
This tool uses a simplified illustrative percentage of home value by age — not HUD's principal limit factor tables — and ignores closing costs, mortgage insurance, set-asides, and first-year draw limits, all of which reduce available funds. It exists to show the shape of the math, not your answer. Kelly's check-up is the answer.
Liked the sample? The real thing is free too.
Kelly runs your actual numbers — HUD tables, live rates, real costs — at your home equity check-up. No obligation, no pressure, family welcome.