Reverse Mortgage Calculator
See how much equity you could access with a reverse mortgage
Borrower & Property
Rates & Costs
| Scenario Comparison | Option A | Option B | Option C |
|---|---|---|---|
| Rate Structure | |||
| Margin | — | — | — |
| Note Rate (Initial) | — | — | — |
| Expected Rate | — | — | — |
| Effective Rate (w/ MIP) | — | — | — |
| Lifetime Cap | — | — | — |
| Principal Limit Calculation | |||
| Max Claim Amount | — | — | — |
| PLF | — | — | — |
| Principal Limit | — | — | — |
| Costs | |||
| UFMIP (2%) | — | — | — |
| Origination Fee | — | — | — |
| Third Party Costs | — | — | — |
| Lender Credit | — | — | — |
| Total Costs | — | — | — |
| Net Proceeds | |||
| Net Principal Limit | — | — | — |
| Existing Liens | — | — | — |
| Cash to Borrower | — | — | — |
| Line of Credit | |||
| Mandatory Obligations | — | — | — |
| Initial Draw Limit | — | — | — |
| LOC Year 1 | — | — | — |
| LOC After Year 1 | — | — | — |
| LOC Growth Projections | |||
| Growth Rate | — | — | — |
| 5-Year LOC | — | — | — |
| 10-Year LOC | — | — | — |
| 15-Year LOC | — | — | — |
| 20-Year LOC | — | — | — |
| Broker Compensation | |||
| UPB | — | — | — |
| PLU% | — | — | — |
| ASL Price (Raw) | — | — | — |
| LLPA Adj | — | — | — |
| ASL Price (Adj) | — | — | — |
| YSP (bps) | — | — | — |
| YSP $ | — | — | — |
| Total Comp | — | — | — |
FOA Margin Optimizer
Enter borrower age, home value, and CMT rates to see the optimizer grid.
Refinance Analysis
Application Details
+NetRate Mortgage LLC
NMLS #1111861
357 South McCaslin Blvd., #200, Louisville, CO 80027 | 303-444-5251
HECM Reverse Mortgage Analysis
Prepared for: Borrower
Date: 2026-03-27
Property & Borrower Summary
This analysis is for informational purposes only and does not constitute a loan commitment or guarantee. Actual rates, fees, and proceeds may vary based on current market conditions at the time of application.
A Home Equity Conversion Mortgage (HECM) is a Federal Housing Administration (FHA) insured reverse mortgage. Borrowers must be at least 62 years of age and meet HUD counseling requirements.
David Burson, NMLS #641790 | NetRate Mortgage LLC, NMLS #1111861
Scenario Comparison
| Metric | Option A | Option B | Option C |
|---|---|---|---|
| Rate Structure | |||
| Product Type | CMT Cap 5 | CMT Cap 5 | CMT Cap 5 |
| Margin | — | — | — |
| Note Rate | — | — | — |
| Expected Rate | — | — | — |
| Effective Rate | — | — | — |
| Principal Limit | |||
| Max Claim Amount | — | — | — |
| PLF | — | — | — |
| Principal Limit | — | — | — |
| Costs | |||
| UFMIP (2%) | — | — | — |
| Origination Fee | — | — | — |
| Third Party Costs | — | — | — |
| Lender Credit | — | — | — |
| Total Costs | — | — | — |
| Net Proceeds | |||
| Net Principal Limit | — | — | — |
| Existing Liens | — | — | — |
| Cash to Borrower | — | — | — |
| Line of Credit | |||
| LOC Year 1 | — | — | — |
| LOC After Year 1 | — | — | — |
| LOC Growth Rate | — | — | — |
| LOC Growth Projections | |||
| 5-Year | — | — | — |
| 10-Year | — | — | — |
| 15-Year | — | — | — |
| 20-Year | — | — | — |
CMT 1yr: 0.000% | CMT 10yr: 0.000% | MIP: 0.500% | FHA Limit: $1,209,750.00