See exactly how much your Colorado home can give you back.
A straightforward, pressure-free calculator for seniors 62+. Enter your age and estimated home value to instantly see your Principal Limit — the tax-free money available from your home equity under official HUD guidelines.
Bruce Simmons, CRMP®
Certified Reverse Mortgage Professional
“I am here to educate, never pressure. Learn about your options at your own pace with straight, honest numbers.”
Step 1: Your Information
Adjust the sliders or type your numbers.
What your home would appraise for today
Eligible at age 62+ (HUD matrix starts at 55)
Money Potentially Available to You:
This is the total gross equity available from your home based on age 70 before closing costs or existing mortgage payoff.
Percentage of your home's value HUD allows you to access at age 70.
Maximum Claim Amount (MCA) capped at 2026 limit.
Principal Limit Factor Table
Showing borrower ages from 55 to 99 at the current market rate. Your selected age (70) is highlighted below.
| Age | Payout Factor (PLF) | Estimated Principal Limit |
|---|---|---|
55 | 24.7% | $123,500 |
56 | 25.3% | $126,500 |
57 | 26% | $130,000 |
58 | 26.6% | $133,000 |
59 | 27.3% | $136,500 |
60 | 27.9% | $139,500 |
61 | 28.6% | $143,000 |
62 | 30.1% | $150,500 |
63 | 30.8% | $154,000 |
64 | 31.6% | $158,000 |
65 | 32.3% | $161,500 |
66 | 33% | $165,000 |
67 | 33.8% | $169,000 |
68 | 34.6% | $173,000 |
69 | 35.5% | $177,500 |
70 👈 You | 36% | $180,000 |
71 | 36% | $180,000 |
72 | 36.2% | $181,000 |
73 | 37.1% | $185,500 |
74 | 37.9% | $189,500 |
75 | 38.9% | $194,500 |
76 | 39.6% | $198,000 |
77 | 40.7% | $203,500 |
78 | 41.8% | $209,000 |
79 | 42.4% | $212,000 |
80 | 43.6% | $218,000 |
81 | 44.8% | $224,000 |
82 | 46.1% | $230,500 |
83 | 47.4% | $237,000 |
84 | 48.8% | $244,000 |
85 | 50.2% | $251,000 |
86 | 51.7% | $258,500 |
87 | 53.2% | $266,000 |
88 | 54.5% | $272,500 |
89 | 56.1% | $280,500 |
90 | 57.8% | $289,000 |
91 | 59.5% | $297,500 |
92 | 61.3% | $306,500 |
93 | 63.2% | $316,000 |
94 | 65.1% | $325,500 |
95 | 67% | $335,000 |
96 | 68% | $340,000 |
97 | 68.7% | $343,500 |
98 | 68.7% | $343,500 |
99 | 68.7% | $343,500 |
How your Principal Limit is determined
Unlike a traditional mortgage based on your income and monthly payments, your reverse mortgage amount depends strictly on three clear, government-regulated factors. No guesswork, no sales tricks.
Age of Youngest Borrower
The older you are, the more equity you can access.
HUD's actuarial tables provide higher payout factors to older homeowners because life expectancy is shorter. If you are married, the calculation is based on the younger spouse.
Your Home's Appraised Value
Up to the 2026 FHA cap of $1,249,125.
Your limit is calculated on your home's current market value or the official 2026 HUD maximum limit ($1,249,125) — whichever is less. You always retain 100% ownership on title.
The Expected Interest Rate
Lower benchmark rates unlock more available cash.
Calculated by adding the 10-Year CMT weekly average to a standard 2.0% lender margin. When interest rates are lower, your available Principal Limit Factor is higher.
Important safeguards built into every HECM loan:
Frequently asked questions
Honest, straightforward answers to the questions Colorado seniors ask Bruce most often. No complicated mortgage jargon.
Have a specific question not answered here?
Bruce Simmons answers his own phone and loves taking time to explain things clearly.
Still deciding if a reverse mortgage is right for your family?
Get an exact, personalized quote for your Colorado home. Bruce Simmons, CRMP®, will walk you through your real numbers line by line — with zero obligation and zero sales pressure.
Local Denver & Lakewood office · Available Mon–Fri · Speak directly with Bruce