How much could your Utah home pay you?
Adjust the sliders below for an instant estimate. No registration, no email required. Powered by current FHA HECM lending limits and average rates.
Your details
Move the sliders to see your estimate update in real time.
You may qualify for an estimated
Estimated cash available to you at closing
Estimate only. Based on 2026 FHA HECM lending limit of $1,249,125 and approximate Principal Limit Factors at current expected rates (~7%). Your actual loan amount depends on the rate at close, your specific situation, and final underwriting. Not from HUD or FHA.
Three things determine your number.
Your age
The older the youngest borrower, the more equity you can access. A 72-year-old can typically access about 41% of home value. An 82-year-old can access closer to 52%.
Your home value
The 2026 FHA HECM lending limit is $1,249,125. If your home is worth more, your calculation uses the limit. Higher-value homes may also qualify for jumbo reverse mortgages.
Existing mortgage
Any current mortgage must be paid off first — it comes out of your principal limit. The good news: that monthly payment goes away forever once it's paid off.
Ready for the real numbers?
The slider above is just a ballpark. A 15-minute call with one of our Utah loan officers gives you exact figures based on today's rates — and answers to every question you have.
Utah's reverse mortgage specialists since 2008. Helping Utah retirees live the retirement they imagined.
HUD/FHA Notice: This material is not from HUD or FHA and has not been approved by HUD or a government agency.
Loan Repayment: A reverse mortgage is a loan that must be repaid. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the property as a primary residence. Failure to do so may result in foreclosure.
Reverse Freedom Mortgage is licensed in the State of Utah. NMLS #1382816, Utah DRE License #9441193.
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