Staggering stats: In the news: HUD has raised the 2026 reverse mortgage (HECM) lending limit to $1,249,125, up from $1,209,750 in 2025. The HECM maximum now applies uniformly nationwide, including high-cost areas, giving senior homeowners with higher property values access to more of their equity. Source: HUD, FHA 2026 Loan Limits, effective for case numbers on or after January 1, 2026.