2026 HECM Loan Limit: HUD has set the FHA reverse mortgage (HECM) maximum claim amount at $1,249,125 for loans with case numbers assigned on or after January 1, 2026. This cap applies nationwide and is the maximum home value FHA will use when calculating reverse mortgage proceeds. Your actual available funds depend on your age, interest rates, your home value up to the limit, and any existing mortgage payoff.

2026 Reverse Mortgage HECM Loan Limits: What Senior Homeowners Need to Know

HECM loan limits will see a meaningful increase in 2026, giving reverse mortgage applicants more borrowing power nationwide. The Federal Housing Administration (FHA) has announced that the maximum claim amount for Home Equity Conversion Mortgages (HECMs) will rise to $1,249,125, up from $1,209,750, for loans with case numbers assigned on or after January 1, 2026.

That change allows qualified borrowers to access nearly $40,000 more of their home equity compared to 2025. Keep Reading...

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HECM Reverse Mortgage Loan Limits 2026

2026 Reverse Mortgage HECM Loan Limits: What Senior Homeowners Need to Know