For illustrative purposes only. Principal Limit uses HUD's official PLF table and the 2026 HECM maximum claim amount of $1,249,125 (per HUD Mortgagee Letter 2025-22, effective January 1, 2026). First-year draw limits reflect HUD's 60% rule per 24 CFR 206.25. Projections assume 4% annual home appreciation. Third-party closing costs are estimates based on published state tax schedules and average title/escrow fees; actual costs vary by county, lender, and transaction. Always consult a licensed HECM specialist for precise figures.

Rate disclosure: The expected interest rate shown is calculated using the current 10-Year U.S. Treasury yield plus a lender margin of 2.25%. Actual HECM rates vary by lender, loan type, and date of application. This rate is provided for illustrative purposes only and does not represent a loan offer or commitment. Contact a licensed HECM specialist for current rate quotes.