Home Equity & Retirement Planning Tool

Property

Property Address

Estimated Home Value

Outstanding Mortgage Balance

Property Type

Borrower

Age of Youngest Borrower

Marital Status

Spouse / NBS Age (if applicable)

Loan Parameters

Appreciation Assumption (Annual %)

0%3.0%8%

ℹ Rate Scenarios Results are shown across three planning scenarios based on current market conditions (10-yr CMT 4.38% + lender margins): Lower Rate ~6.25%, Current Market ~6.625%, Higher Rate ~7.375%. These are planning illustrations — not rate quotes.

Disbursement Preference i

Line of Credit

Lump Sum

Monthly Tenure

Monthly Term

New Home Being Purchased

Purchase Price

Property Type

Borrower

Age of Youngest Borrower

Marital Status

Funding Source (optional)

Estimated Sale Proceeds from Current Home

Additional Cash Available for Down Payment

Loan Parameters

Rate Scenarios HECM for Purchase uses the same rate scenarios as refinance: Lower ~6.25%, Current ~6.625%, Higher ~7.375%. Conventional comparison uses the 30-yr rate below for payment illustration only.

Current 30-Yr Fixed Rate (for comparison)

⌁

Enter client details to begin

Complete the inputs on the left to generate a home equity scenario analysis for your client.

Client Scenario

Est. Net Proceeds (Current Market)
—
After payoff & costs

Available Equity

—

Home value minus existing mortgage

Principal Limit Factor

—

From HUD 2017 PLF table

Est. HECM Closing Costs

—

MIP + origination + third-party est.

Eligibility Snapshot i

⚖ Federal Requirement: HUD-Approved Counseling All HECM borrowers must complete independent counseling with a HUD-approved counselor before application — this cannot be waived. Direct clients to HUD.gov or 1-800-569-4287.

Estimated Proceeds — Three Rate Scenarios i

Product Category Comparison i

Disbursement Analysis

HECM for Purchase

per month — for life

Conventional Mortgage

—

per month — 30-year fixed

HECM for Purchase TAP TO FLIP ↻

—

Required down payment

Monthly Payment$0 / month

Annual Cash Freed Up—

10-Year Cash Flow—

HECM Principal Limit—

Est. Closing Costs—

Rate Sensitivity TAP TO FLIP ↻

Down Payment by Rate Scenario

🟢 Lower Rate (~6.25%)—

🔵 Current Market (~6.625%)—

🟠 Higher Rate (~7.375%)—

Why the difference?

A lower expected rate increases the principal limit — meaning more of the purchase price is covered by the loan, reducing what you bring to closing.

Conventional 30-Year TAP TO FLIP ↻

—

per month

Down Payment (20%)—

Annual Cost—

10-Year Total Payments—

20-Year Total Payments—

True Cost of the Loan TAP TO FLIP ↻

What $X/month really costs over time

Loan Amount—

Total Interest (30 yr)—

Total Cost (principal + interest)—

With HECM — that money stays with you

—

Eligibility & Requirements

⚖ Federal Requirement: HUD-Approved Counseling All H4P borrowers must complete independent counseling with a HUD-approved counselor before application — this cannot be waived. Direct clients to HUD.gov or 1-800-569-4287.

All figures are planning estimates only — not quotes, rate locks, or commitments to lend. See footer for full disclosures.

Barrett Financial Group NMLS #181106 · Zack Diener NMLS #470413 · Not affiliated with HUD, FHA, or any government agency · nmlsconsumeraccess.org

20-Year Equity Outlook ▸ Show table

Planning Insights i AI-Generated

All figures are planning estimates only — not quotes, rate locks, or commitments to lend. Actual amounts vary based on appraisal, lender selection, borrower qualification, and current rates. See footer for full disclosures.

Barrett Financial Group NMLS #181106 · Zack Diener NMLS #470413 · Not affiliated with HUD, FHA, or any government agency · nmlsconsumeraccess.org

Does home equity belong in your client’s plan?

Connect with Zack Diener to discuss whether this fits — Barrett Financial Group · NMLS #470413

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