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Reverse Mortgage Line of Credit Calculator

Instant HECM credit line quote including guaranteed growth rate!


Reverse Mortgage Calculator
(may take up to 15 seconds)

In your current area 100 homeowners are currently utilizing reverse mortgages to better enhance their retirement years, with 500,000 nationwide!

The amount you receive is based on your home’s value, your age, and current interest rates. Let’s start with your address so I can estimate your home value…
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Great! It looks like your home value estimate is about

If you feel this estimate is not correct you can manually change it below. If you have an existing mortgage balance, I'll need to know the amount we are going to pay off to get rid of that mortgage payment!

Please provide your estimated home value

If you presently have an existing mortgage balance, I'll need to know the amount we are going to pay off to get rid of that mortgage payment!
(Our calculations use estimated property values provided by An independent HUD-approved appraiser must complete an appraisal to finalize your loan)
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The minimum qualifying age for a reverse mortgage is 55

Don’t forget to include your spouse’s age, even if they are not yet 55, as loan proceeds are always based on the age of the youngest spouse.
Your Age
Spouse Age
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Great News! Your ARLO analysis is ready

Your personalized results include the best of 2024's reverse mortgages
  • Side-by-side loan comparisons
  • Real-time interest rates
  • ARLO™ advice to help you select the right program
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Your FREE Report Includes:
  • Real Time Analysis  (Next Step)
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Example ARLO Quote
From America's #1 Rated Reverse Mortgage Lender

Stay Informed with All Reverse Mortgage Line of Credit Calculator (Weekly Updated)

Our online calculator is updated weekly, showcasing our most popular HECM credit line programs.  This tool is designed to give you a clear, up-to-date picture of today’s reverse mortgage options.  For a comprehensive understanding, you are invited to request a detailed analysis.  This analysis includes side-by-side loan comparisons, a breakdown of closing costs, and detailed amortization schedules.


ARLO line of credit calculation

Line of Credit Features

  • Flexibility: Access any portion of your credit line whenever you need it.  Experience the convenience of having funds transferred to your account, typically within 24 to 48 hours following request, or opt for a paper check to access your funds in person.
  • Line of Credit Growth: Benefit from an automatic growth rate applied to the funds in your available line of credit.  This growth rate is independent of future property valuations and is aligned with the current interest rate on your outstanding balance, plus a .50% monthly insurance rate.
  • Government Insured: Enjoy peace of mind knowing your line of credit cannot be frozen or terms can be unchanged as long as you keep up with property taxes and homeowners insurance and use your home as your primary residence.  The HECM line of credit offers a straightforward approach to accessing funds, ensuring you have the financial flexibility when you need it most.


Interest Rate Options

  • Annual Adjustable Rate: Experience a balanced approach with our annual adjustable interest rate.  It adjusts once a year, with each adjustment limited to a maximum of 2%, either upward or downward.  The total variation over the loan’s lifetime is capped at 5% above the initial rate, ensuring predictability and safeguarding against extreme fluctuations.
  • Monthly Adjustable Rate: Our monthly adjustable interest rate offers greater flexibility for those seeking more dynamic rate adjustments.  This option adjusts monthly without periodic caps, allowing more frequent adaptation to market changes.  The lifetime limit on this adjustment is set at 10% above the starting rate, providing a blend of flexibility and long-term security.


Line of Credit Knowledge Hub

In-Depth Article: “The Line of Credit That Grows”: Dive deep into the mechanics of the reverse mortgage line of credit’s growth rate.  Understand how your credit can grow over time and get a clear breakdown of the interest rate charges.

Insightful Read: “Choosing a Reverse Mortgage: A Smarter Alternative to HELOC”: Explore why a reverse mortgage might be a more strategic and beneficial choice compared to a Home Equity Line of Credit (HELOC).  This article provides compelling insights and comparisons, helping you make an informed decision that aligns with your retirement goals.


All Reverse Mortgage Calculators

Type of CalculatorPurposeFeaturesIncludes Rates/APR
Reverse Mortgage Line of Credit CalculatorSpecialized Tool for Estimating HECM Line of Credit and Simulating Credit Line Growth RatesEstimates Your Available Credit Line from a Reverse Mortgage and Projects Its Growth Over Time.No
Reverse Mortgage Amortization CalculatorLoan Balance and Equity Simulator, Negative Amortization SchedulesOffers a Comprehensive Analysis of Loan Balance, Equity, and Accrued Interest Changes Throughout the Life of a Reverse Mortgage, Complete with an Excel File for Personal Tracking.Yes
All Reverse Mortgage CalculatorDetailed Calculations for Monthly Payments, Single Lump-Sum Disbursement, and Line of Credit OptionsCalculation of What You Could Get from a Home Equity Conversion Mortgage (HECM) or Jumbo/Proprietary Reverse MortgagesYes
Free Reverse Mortgage CalculatorBasic Calculations for Estimating Monthly Payments, Single Lump-Sum Payouts, and Available Line of CreditQuickly Estimate Your Reverse Mortgage Payout Without Personal Details.No
Reverse Mortgage Refinance CalculatorHECM to HECM Refinance AnalysisAssists in Evaluating Whether Refinancing Your Existing Reverse Mortgage is Advantageous, Considering Current Home Value, Interest Rates, and the 5x Benefit Rule.No
Reverse Mortgage for Purchase CalculatorHECM for Purchase Calculates the Funds Needed to Buy a New Home with a Reverse Mortgage, Taking into Account Your Down Payment and Net Income from the Sale of Your Current Home.Yes
This chart outlines the variety of calculators from All Reverse Mortgage, tailored to your needs for reverse mortgages. It's arranged with four easy-to-understand sections: the type of calculator, its purpose, its features, and information on whether it includes rates and APR details.

Do you need assistance or have any questions about which calculator to use? Don't hesitate to reach out to us. Our expert team is just a phone call away at (800) 565-1722, ready to offer you tailored advice and support.


Author Michael Branson
About the Author, Michael G. Branson |
Michael G. Branson CEO, All Reverse Mortgage, Inc. and moderator of ARLO™ has 45 years of experience in the mortgage banking industry. He has devoted the past 19 years to reverse mortgages exclusively.