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principal limit

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principal limit

The maximum lifetime amount an elderly borrower can take out on a reverse mortgage.Calculation of the principal limit is a formula that uses the age of the youngest borrower,the maximum claim amount (the lesser of the house's appraised value or the FHA's maximum loan amount for houses in the area),and the expected average mortgage interest rate.


Principal Limit

The present value of a house, given the elderly owner's right to live there until she dies or voluntarily moves out, under FHA's reverse mortgage program.

See Reverse Mortgage/FHA's Home Equity Conversion Mortgage (HECM)/Principal Limit.



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