Reverse Freedom — Home Equity Ledger

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Projection

30-Year Horizon

Starting home value $

Starting loan balance $

Starting credit line $

Starting LESA balance $

Home appreciation %/yr

Interest rate %/yr

Annual MIP %/yr

Monthly draw $/mo

Voluntary monthly payment $/mo

Annual LESA payout (taxes & insurance) $/yr

Draw continues for yrs

Projection length yrs

Estimated equity, year 30

$—

Balance exceeds home value. A HECM is non-recourse: FHA insurance covers any shortfall, so neither the borrower nor the heirs ever owe more than the home is worth.

Home value Loan balance Remaining equity Negative equity

How to read this: the upper line projects your home's value as it appreciates. The lower line is your loan balance, growing as interest, mortgage insurance, and any monthly draws accrue against it. The shaded gap between them is your remaining home equity — the figure this tool is built to track.

Year-by-year ledger

700,000 home · 150,000 loan · 5.5% rate · 3.0% appreciation

Select any year to open its twelve monthly rows.

Year	Loan balance	Credit line	LESA balance	Home value	Remaining equity