Use this calculator to evaluate private-lender reverse mortgage scenarios for high-value homes, compare against HECM constraints, and estimate long-term equity outcomes.
Why proprietary reverse mortgages are different
Proprietary reverse products are private-lender programs, not FHA-insured HECMs. That usually means higher property-value coverage, broader property-type acceptance in some programs, different age thresholds by lender/state, and no FHA mortgage-insurance premium structure.
Inputs unique to jumbo/proprietary analysis
Property type: includes formats that may differ from FHA approval rules.
Credit score range: some private programs require minimum thresholds.
Loan program selector: lender families have different payout curves.
Rate structure and rate level: strongly affects long-run balance growth.
Why the HECM comparison chart matters
On high-value homes, the claim-limit cap can create large cash-availability differences. Side-by-side bars for available cash and upfront costs help users understand when proprietary products deliver more net proceeds, and where higher rates may offset that advantage over time.
Three charts you should read together
Loan balance vs home value: core risk path over time.
HECM vs proprietary bars: immediate cash and cost trade-off snapshot.