Discover how voluntary payments can slow compounding interest, preserve home equity, and protect your legacy for loved ones.
Loan Details
HECM (FHA-insured) or Jumbo Proprietary
Current loan balance on your reverse mortgage
$
Annual note rate on the loan
%
Optional — any amount helps slow loan growth
$
Property
Current appraised or estimated market value of your home
$
▶Advanced Settings
0.5% for HECM, 0% for Jumbo
%
Fixed at 4% — 100-year U.S. average
%
Total Rate: |Appreciation: 4.0%|Crossover (No Payments):
|
Crossover (With Payments):
Inheritance & Legacy Impact
Loan Balance vs. Property Value (30-Year Projection)
Property Value
Loan (No Payments)
Loan (With Payments)
Without Payments
With /mo Payments
Property: |
Loan:
Property: |
Loan:
Detailed Amortization Schedule
▶
Month
Loan Balance
Interest Added
Property Value
Voluntary Payment
Equity Remaining
This calculator is for informational purposes only and does not constitute financial advice.
Results are estimates based on your inputs and assume fixed interest and appreciation rates (the 100-year U.S. average of 4%).
Actual loan balance and home value will vary due to market conditions and personal factors.
Reverse mortgages do not require monthly payments, but this tool shows how optional voluntary payments may help preserve equity for inheritance.
Always consult with a licensed reverse mortgage advisor before making financial decisions.