#3
Texas Reverse Mortgage Market Report
Statewide HECM Portfolio • Regulatory Framework: Strict Disclosure State
65 Active FHA Lenders
Texas Executive Market BLUF
Institutional VerifiedAugust 2026 (HUD FHA Single-Family Release)
Texas operates under Article XVI, Section 50(k) of the Texas Constitution, requiring specific statutory cooling-off periods and disclosures. The state has experienced the fastest compound annual growth in line-of-credit reverse mortgage originations between Austin and Dallas-Fort Worth.
Strategic Key Takeaways
- •Statewide senior home equity: $1120.0 Billion.
- •Average Maximum Claim Amount (MCA): $440,000.
- •Annual endorsement momentum: +11.9% YoY.
- •Regulatory category: Strict Disclosure State.
Total Senior Equity Pool
$1120BEquity Pool
4,350,000 seniors age 62+
Total HECM Volume
$1.62B+11.9%
Rank #3 Nationwide
Endorsements YTD
3,680Annual Pace
Prior Year: 3,290
Average MCA
$440,000FHA Insured
Median Home: $345,000
Texas HECM Endorsement History
Annual volume trajectory vs average claim amount
Endorsements
Avg MCA
4,900 loans
2021
6,300 loans
2022
3,290 loans
2023
3,680 loans
2024 YTD
Latest Endorsements3,680
Average Claim (MCA)$440,000
Line of Credit Share89.7%
Avg Borrower Age73.5 yrs
Top HECM Origination Counties in Texas
254 Total Counties TrackedHarris County20.1% State Share
740 HECM Endorsements
View Local Data
Dallas County13.9% State Share
510 HECM Endorsements
View Local Data
Tarrant County11.4% State Share
420 HECM Endorsements
View Local Data
Travis County10.6% State Share
390 HECM Endorsements
View Local Data
Bexar County9.2% State Share
340 HECM Endorsements
View Local Data
Texas County-Level HECM & Senior Equity Directory (254 Jurisdictions)
Complete county-by-county reverse mortgage endorsements, average Maximum Claim Amounts, and senior housing wealth in Texas.
| County | FIPS | Endorsements YTD | Avg MCA | Senior Equity | YoY Velocity |
|---|---|---|---|---|---|
| Harris County | 48201 | 740 | $390,000 | $118.0B | +10.4% |
| Dallas County | 48113 | 510 | $430,000 | $82.0B | +10.9% |
| Tarrant County | 48439 | 420 | $290,952 | $26.9B | +6.5% |
| Collin County | 48085 | 406 | $443,988 | $20.1B | +6.5% |
| Travis County | 48453 | 390 | $560,000 | $34.8B | +14.7% |
| El Paso County | 48141 | 363 | $165,888 | $6.7B | +6.5% |
| Bexar County | 48029 | 340 | $240,084 | $22.3B | +6.5% |
| Denton County | 48121 | 334 | $407,160 | $15.2B | +6.5% |
| Fort Bend County | 48157 | 328 | $355,968 | $13.0B | +6.5% |
| Hidalgo County | 48215 | 328 | $121,716 | $4.5B | +6.5% |
| Montgomery County | 48339 | 284 | $316,980 | $10.0B | +6.5% |
| Williamson County | 48491 | 260 | $399,708 | $11.6B | +6.5% |
| Cameron County | 48061 | 194 | $118,368 | $2.5B | +6.5% |
| Nueces County | 48355 | 178 | $191,916 | $3.8B | +6.5% |
| Galveston County | 48167 | 175 | $281,448 | $5.5B | +6.5% |
| Brazoria County | 48039 | 153 | $277,452 | $4.8B | +6.5% |
| Bell County | 48027 | 141 | $212,004 | $3.3B | +6.5% |
| Smith County | 48423 | 133 | $217,512 | $3.2B | +6.5% |
| Lubbock County | 48303 | 133 | $198,396 | $2.9B | +6.5% |
| McLennan County | 48309 | 129 | $212,112 | $3.1B | +6.5% |
| Jefferson County | 48245 | 127 | $163,620 | $2.3B | +6.5% |
| Comal County | 48091 | 101 | $398,952 | $4.5B | +6.5% |
| Hays County | 48209 | 94 | $362,556 | $3.8B | +6.5% |
| Webb County | 48479 | 87 | $173,880 | $1.7B | +6.5% |
| Johnson County | 48251 | 85 | $243,000 | $2.3B | +6.5% |
| Ellis County | 48139 | 84 | $297,864 | $2.8B | +6.5% |
| Guadalupe County | 48187 | 83 | $279,288 | $2.6B | +6.5% |
| Grayson County | 48181 | 82 | $223,452 | $2.0B | +6.5% |
| Parker County | 48367 | 79 | $335,880 | $3.0B | +6.5% |
| Brazos County | 48041 | 75 | $281,664 | $2.4B | +6.5% |
| Randall County | 48381 | 73 | $225,936 | $1.8B | +6.5% |
| Taylor County | 48441 | 70 | $183,384 | $1.4B | +6.5% |
| Gregg County | 48183 | 65 | $185,652 | $1.4B | +6.5% |
| Wichita County | 48485 | 64 | $139,320 | $1.0B | +6.5% |
| Tom Green County | 48451 | 63 | $192,024 | $1.4B | +6.5% |
| Henderson County | 48213 | 61 | $172,368 | $1.2B | +6.5% |
| Midland County | 48329 | 58 | $294,732 | $1.9B | +6.5% |
| Kaufman County | 48257 | 56 | $277,452 | $1.7B | +6.5% |
| Hunt County | 48231 | 54 | $198,720 | $1.2B | +6.5% |
| Bowie County | 48037 | 53 | $162,324 | $1.0B | +6.5% |
| Potter County | 48375 | 53 | $129,492 | $0.8B | +6.5% |
| Hood County | 48221 | 52 | $269,352 | $1.6B | +6.5% |
| Ector County | 48135 | 51 | $189,648 | $1.1B | +6.5% |
| Bastrop County | 48021 | 50 | $254,772 | $1.4B | +6.5% |
| Victoria County | 48469 | 50 | $195,696 | $1.1B | +6.5% |
| Kerr County | 48265 | 49 | $281,556 | $1.6B | +6.5% |
| Angelina County | 48005 | 47 | $149,688 | $0.8B | +6.5% |
| Rockwall County | 48397 | 45 | $392,580 | $2.0B | +6.5% |
| Orange County | 48361 | 44 | $165,024 | $0.8B | +6.5% |
| Van Zandt County | 48467 | 40 | $195,804 | $0.9B | +6.5% |
| Wood County | 48499 | 40 | $184,356 | $0.8B | +6.5% |
| Harrison County | 48203 | 39 | $177,552 | $0.8B | +6.5% |
| Liberty County | 48291 | 39 | $157,032 | $0.7B | +6.5% |
| Burnet County | 48053 | 38 | $289,764 | $1.2B | +6.5% |
| Wise County | 48497 | 35 | $268,272 | $1.1B | +6.5% |
| Walker County | 48471 | 35 | $202,176 | $0.8B | +6.5% |
| San Patricio County | 48409 | 34 | $177,012 | $0.7B | +6.5% |
| Nacogdoches County | 48347 | 33 | $162,756 | $0.6B | +6.5% |
| Hardin County | 48199 | 32 | $189,864 | $0.7B | +6.5% |
| Lamar County | 48277 | 32 | $165,024 | $0.6B | +6.5% |
| Polk County | 48373 | 31 | $163,188 | $0.6B | +6.5% |
| Cherokee County | 48073 | 30 | $149,580 | $0.5B | +6.5% |
| Kendall County | 48259 | 29 | $501,228 | $1.7B | +6.5% |
| Medina County | 48325 | 29 | $201,096 | $0.7B | +6.5% |
| Coryell County | 48099 | 29 | $165,564 | $0.6B | +6.5% |
| Rusk County | 48401 | 29 | $159,948 | $0.5B | +6.5% |
| Navarro County | 48349 | 29 | $153,684 | $0.5B | +6.5% |
| Anderson County | 48001 | 28 | $166,968 | $0.5B | +6.5% |
| Wilson County | 48493 | 27 | $287,928 | $0.9B | +6.5% |
| Gillespie County | 48171 | 26 | $431,352 | $1.3B | +6.5% |
| Llano County | 48299 | 26 | $309,960 | $0.9B | +6.5% |
| Washington County | 48477 | 26 | $268,164 | $0.8B | +6.5% |
| Cooke County | 48097 | 26 | $223,668 | $0.7B | +6.5% |
| Upshur County | 48459 | 25 | $179,928 | $0.5B | +6.5% |
| Brown County | 48049 | 25 | $148,932 | $0.4B | +6.5% |
| Starr County | 48427 | 25 | $95,364 | $0.3B | +6.5% |
| Wharton County | 48481 | 24 | $183,708 | $0.5B | +6.5% |
| Hill County | 48217 | 24 | $153,360 | $0.4B | +6.5% |
| Atascosa County | 48013 | 24 | $152,280 | $0.4B | +6.5% |
| Caldwell County | 48055 | 23 | $200,232 | $0.5B | +6.5% |
| Waller County | 48473 | 22 | $289,656 | $0.7B | +6.5% |
| Aransas County | 48007 | 22 | $239,220 | $0.6B | +6.5% |
| Hopkins County | 48223 | 22 | $186,624 | $0.5B | +6.5% |
| Val Verde County | 48465 | 22 | $149,580 | $0.4B | +6.5% |
| Maverick County | 48323 | 22 | $135,000 | $0.3B | +6.5% |
| Jasper County | 48241 | 22 | $126,792 | $0.3B | +6.5% |
| Fayette County | 48149 | 21 | $274,536 | $0.7B | +6.5% |
| Fannin County | 48147 | 21 | $208,656 | $0.5B | +6.5% |
| Matagorda County | 48321 | 21 | $167,616 | $0.4B | +6.5% |
| Cass County | 48067 | 21 | $124,848 | $0.3B | +6.5% |
| Austin County | 48015 | 20 | $259,200 | $0.6B | +6.5% |
| Erath County | 48143 | 20 | $237,168 | $0.5B | +6.5% |
| San Jacinto County | 48407 | 20 | $181,116 | $0.4B | +6.5% |
| Jim Wells County | 48249 | 20 | $98,928 | $0.2B | +6.5% |
| Chambers County | 48071 | 19 | $301,536 | $0.6B | +6.5% |
| Bandera County | 48019 | 19 | $256,284 | $0.6B | +6.5% |
| Grimes County | 48185 | 18 | $229,500 | $0.5B | +6.5% |
| Palo Pinto County | 48363 | 18 | $163,620 | $0.3B | +6.5% |
| Milam County | 48331 | 17 | $161,568 | $0.3B | +6.5% |
| Lavaca County | 48285 | 16 | $221,940 | $0.4B | +6.5% |
| Houston County | 48225 | 16 | $138,564 | $0.3B | +6.5% |
| Lampasas County | 48281 | 15 | $234,468 | $0.4B | +6.5% |
| Colorado County | 48089 | 15 | $186,732 | $0.3B | +6.5% |
| Bosque County | 48035 | 15 | $163,512 | $0.3B | +6.5% |
| Limestone County | 48293 | 15 | $146,232 | $0.3B | +6.5% |
| Panola County | 48365 | 15 | $150,552 | $0.3B | +6.5% |
| Titus County | 48449 | 15 | $150,012 | $0.3B | +6.5% |
| Hale County | 48189 | 15 | $105,300 | $0.2B | +6.5% |
| Montague County | 48337 | 14 | $180,252 | $0.3B | +6.5% |
| Howard County | 48227 | 14 | $143,532 | $0.2B | +6.5% |
| Tyler County | 48457 | 14 | $134,892 | $0.2B | +6.5% |
| Shelby County | 48419 | 14 | $115,992 | $0.2B | +6.5% |
| DeWitt County | 48123 | 13 | $169,236 | $0.3B | +6.5% |
| Burleson County | 48051 | 13 | $167,076 | $0.2B | +6.5% |
| Freestone County | 48161 | 13 | $167,292 | $0.2B | +6.5% |
| Uvalde County | 48463 | 13 | $140,292 | $0.2B | +6.5% |
| Kleberg County | 48273 | 13 | $138,564 | $0.2B | +6.5% |
| Bee County | 48025 | 13 | $115,236 | $0.2B | +6.5% |
| Lee County | 48287 | 12 | $224,748 | $0.3B | +6.5% |
| Leon County | 48289 | 12 | $171,396 | $0.2B | +6.5% |
| Young County | 48503 | 12 | $153,468 | $0.2B | +6.5% |
| Calhoun County | 48057 | 12 | $138,456 | $0.2B | +6.5% |
| Eastland County | 48133 | 12 | $119,340 | $0.2B | +6.5% |
| Trinity County | 48455 | 12 | $112,644 | $0.1B | +6.5% |
| Robertson County | 48395 | 11 | $169,344 | $0.2B | +6.5% |
| Gonzales County | 48177 | 11 | $168,588 | $0.2B | +6.5% |
| Gray County | 48179 | 11 | $101,088 | $0.1B | +6.5% |
| Hutchinson County | 48233 | 11 | $104,220 | $0.1B | +6.5% |
| Sabine County | 48403 | 10 | $145,044 | $0.2B | +6.5% |
| Comanche County | 48093 | 10 | $142,344 | $0.2B | +6.5% |
| Hockley County | 48219 | 10 | $119,664 | $0.1B | +6.5% |
| Red River County | 48387 | 10 | $122,688 | $0.1B | +6.5% |
| Falls County | 48145 | 10 | $111,672 | $0.1B | +6.5% |
| Jones County | 48253 | 10 | $95,472 | $0.1B | +6.5% |
| Blanco County | 48031 | 9 | $334,584 | $0.3B | +6.5% |
| Rains County | 48379 | 9 | $187,920 | $0.2B | +6.5% |
| Jackson County | 48239 | 9 | $151,524 | $0.2B | +6.5% |
| Callahan County | 48059 | 9 | $139,860 | $0.1B | +6.5% |
| Nolan County | 48353 | 9 | $98,604 | $0.1B | +6.5% |
| Newton County | 48351 | 9 | $97,308 | $0.1B | +6.5% |
| Willacy County | 48489 | 9 | $72,252 | $0.1B | +6.5% |
| Live Oak County | 48297 | 8 | $154,440 | $0.1B | +6.5% |
| Moore County | 48341 | 8 | $132,516 | $0.1B | +6.5% |
| Morris County | 48343 | 8 | $117,288 | $0.1B | +6.5% |
| Scurry County | 48415 | 8 | $118,152 | $0.1B | +6.5% |
| Deaf Smith County | 48117 | 8 | $116,100 | $0.1B | +6.5% |
| Marion County | 48315 | 8 | $111,348 | $0.1B | +6.5% |
| Brewster County | 48043 | 7 | $216,540 | $0.2B | +6.5% |
| Franklin County | 48159 | 7 | $210,384 | $0.2B | +6.5% |
| Camp County | 48063 | 7 | $158,328 | $0.1B | +6.5% |
| Clay County | 48077 | 7 | $150,876 | $0.1B | +6.5% |
| Karnes County | 48255 | 7 | $148,824 | $0.1B | +6.5% |
| Hamilton County | 48193 | 7 | $132,408 | $0.1B | +6.5% |
| Frio County | 48163 | 7 | $105,840 | $0.1B | +6.5% |
| Lamb County | 48279 | 7 | $85,644 | $0.1B | +6.5% |
| San Augustine County | 48405 | 7 | $88,992 | $0.1B | +6.5% |
| Wilbarger County | 48487 | 7 | $88,884 | $0.1B | +6.5% |
| Gaines County | 48165 | 6 | $195,588 | $0.1B | +6.5% |
| Pecos County | 48371 | 6 | $155,844 | $0.1B | +6.5% |
| Madison County | 48313 | 6 | $150,228 | $0.1B | +6.5% |
| Stephens County | 48429 | 6 | $105,840 | $0.1B | +6.5% |
| Coleman County | 48083 | 6 | $99,144 | $0.1B | +6.5% |
| Runnels County | 48399 | 6 | $96,876 | $0.1B | +6.5% |
| Zapata County | 48505 | 6 | $91,584 | $0.1B | +6.5% |
| Somervell County | 48425 | 5 | $266,328 | $0.2B | +6.5% |
| Andrews County | 48003 | 5 | $193,644 | $0.1B | +6.5% |
| Goliad County | 48175 | 5 | $186,192 | $0.1B | +6.5% |
| Archer County | 48009 | 5 | $170,100 | $0.1B | +6.5% |
| Parmer County | 48369 | 5 | $145,044 | $0.1B | +6.5% |
| Ward County | 48475 | 5 | $127,116 | $0.1B | +6.5% |
| Reeves County | 48389 | 5 | $117,504 | $0.1B | +6.5% |
| Terry County | 48445 | 5 | $113,940 | $0.1B | +6.5% |
| McCulloch County | 48307 | 5 | $106,596 | $0.1B | +6.5% |
| Dawson County | 48115 | 5 | $102,708 | $0.1B | +6.5% |
| Refugio County | 48391 | 5 | $100,332 | $0.1B | +6.5% |
| Duval County | 48131 | 5 | $82,080 | $0.1B | +6.5% |
| Zavala County | 48507 | 5 | $83,484 | $0.1B | +6.5% |
| Kenedy County | 48261 | 4 | $307,800 | $0.0B | +6.5% |
| King County | 48269 | 4 | $307,800 | $0.0B | +6.5% |
| Glasscock County | 48173 | 4 | $278,964 | $0.0B | +6.5% |
| Real County | 48385 | 4 | $278,640 | $0.1B | +6.5% |
| Mason County | 48319 | 4 | $274,860 | $0.1B | +6.5% |
| Hartley County | 48205 | 4 | $244,620 | $0.1B | +6.5% |
| Loving County | 48301 | 4 | $236,304 | $0.0B | +6.5% |
| Hemphill County | 48211 | 4 | $216,648 | $0.1B | +6.5% |
| Kimble County | 48267 | 4 | $204,768 | $0.1B | +6.5% |
| Mills County | 48333 | 4 | $204,012 | $0.1B | +6.5% |
| Crockett County | 48105 | 4 | $195,804 | $0.1B | +6.5% |
| Shackelford County | 48417 | 4 | $192,780 | $0.0B | +6.5% |
| Jeff Davis County | 48243 | 4 | $180,684 | $0.1B | +6.5% |
| Yoakum County | 48501 | 4 | $181,332 | $0.1B | +6.5% |
| Armstrong County | 48011 | 4 | $181,008 | $0.0B | +6.5% |
| Delta County | 48119 | 4 | $176,796 | $0.1B | +6.5% |
| Roberts County | 48393 | 4 | $177,336 | $0.0B | +6.5% |
| Irion County | 48235 | 4 | $161,568 | $0.0B | +6.5% |
| Martin County | 48317 | 4 | $154,980 | $0.0B | +6.5% |
| Jack County | 48237 | 4 | $146,340 | $0.1B | +6.5% |
| San Saba County | 48411 | 4 | $145,044 | $0.1B | +6.5% |
| Sutton County | 48435 | 4 | $143,208 | $0.0B | +6.5% |
| Carson County | 48065 | 4 | $140,076 | $0.1B | +6.5% |
| Ochiltree County | 48357 | 4 | $127,872 | $0.1B | +6.5% |
| Oldham County | 48359 | 4 | $135,000 | $0.0B | +6.5% |
| Presidio County | 48377 | 4 | $130,680 | $0.1B | +6.5% |
| Reagan County | 48383 | 4 | $133,812 | $0.0B | +6.5% |
| Crane County | 48103 | 4 | $126,360 | $0.0B | +6.5% |
| Dallam County | 48111 | 4 | $122,904 | $0.0B | +6.5% |
| Jim Hogg County | 48247 | 4 | $124,308 | $0.0B | +6.5% |
| Lipscomb County | 48295 | 4 | $129,384 | $0.0B | +6.5% |
| Lynn County | 48305 | 4 | $126,144 | $0.0B | +6.5% |
| Sterling County | 48431 | 4 | $130,680 | $0.0B | +6.5% |
| Terrell County | 48443 | 4 | $129,384 | $0.0B | +6.5% |
| Bailey County | 48017 | 4 | $121,392 | $0.0B | +6.5% |
| Childress County | 48075 | 4 | $119,988 | $0.0B | +6.5% |
| Kinney County | 48271 | 4 | $121,176 | $0.0B | +6.5% |
| Sherman County | 48421 | 4 | $116,748 | $0.0B | +6.5% |
| Winkler County | 48495 | 4 | $117,828 | $0.1B | +6.5% |
| Borden County | 48033 | 4 | $112,536 | $0.0B | +6.5% |
| Hansford County | 48195 | 4 | $109,836 | $0.0B | +6.5% |
| La Salle County | 48283 | 4 | $107,352 | $0.1B | +6.5% |
| McMullen County | 48311 | 4 | $113,508 | $0.0B | +6.5% |
| Wheeler County | 48483 | 4 | $113,616 | $0.0B | +6.5% |
| Castro County | 48069 | 4 | $104,112 | $0.1B | +6.5% |
| Coke County | 48081 | 4 | $102,492 | $0.0B | +6.5% |
| Concho County | 48095 | 4 | $100,332 | $0.0B | +6.5% |
| Donley County | 48129 | 4 | $106,812 | $0.0B | +6.5% |
| Schleicher County | 48413 | 4 | $104,436 | $0.0B | +6.5% |
| Upton County | 48461 | 4 | $103,248 | $0.0B | +6.5% |
| Baylor County | 48023 | 4 | $99,468 | $0.0B | +6.5% |
| Collingsworth County | 48087 | 4 | $96,660 | $0.0B | +6.5% |
| Floyd County | 48153 | 4 | $98,064 | $0.0B | +6.5% |
| Garza County | 48169 | 4 | $94,500 | $0.0B | +6.5% |
| Menard County | 48327 | 4 | $93,420 | $0.0B | +6.5% |
| Mitchell County | 48335 | 4 | $90,612 | $0.0B | +6.5% |
| Swisher County | 48437 | 4 | $92,124 | $0.0B | +6.5% |
| Brooks County | 48047 | 4 | $86,508 | $0.1B | +6.5% |
| Culberson County | 48109 | 4 | $89,964 | $0.0B | +6.5% |
| Dimmit County | 48127 | 4 | $81,972 | $0.1B | +6.5% |
| Edwards County | 48137 | 4 | $93,744 | $0.0B | +6.5% |
| Fisher County | 48151 | 4 | $89,316 | $0.0B | +6.5% |
| Briscoe County | 48045 | 4 | $83,592 | $0.0B | +6.5% |
| Crosby County | 48107 | 4 | $75,168 | $0.0B | +6.5% |
| Haskell County | 48207 | 4 | $75,384 | $0.0B | +6.5% |
| Kent County | 48263 | 4 | $82,512 | $0.0B | +6.5% |
| Motley County | 48345 | 4 | $77,868 | $0.0B | +6.5% |
| Dickens County | 48125 | 4 | $72,360 | $0.0B | +6.5% |
| Foard County | 48155 | 4 | $70,200 | $0.0B | +6.5% |
| Hall County | 48191 | 4 | $73,440 | $0.0B | +6.5% |
| Hardeman County | 48197 | 4 | $71,064 | $0.0B | +6.5% |
| Throckmorton County | 48447 | 4 | $72,360 | $0.0B | +6.5% |
| Hudspeth County | 48229 | 4 | $61,992 | $0.0B | +6.5% |
| Knox County | 48275 | 4 | $59,508 | $0.0B | +6.5% |
| Cochran County | 48079 | 4 | $51,840 | $0.0B | +6.5% |
| Cottle County | 48101 | 4 | $55,512 | $0.0B | +6.5% |
| Stonewall County | 48433 | 4 | $59,076 | $0.0B | +6.5% |
Calculate Borrowing Power in Texas
Institutional FHA HECM Principal Limit Calculator
HUD Mortgagee Letter 2017-17 Actuarial Matrix • Active FHA MCA Cap: $1,149,825
Non-Recourse Insured
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4.00%6.25%8.50%
Eligible Non-Borrowing Spouse (NBS) Protection
Under HUD ML 2014-07, spouses of any age can be named as an Eligible Non-Borrowing Spouse, securing statutory rights to remain in the home indefinitely after the borrowing spouse passes away.
Net Available Principal Limit (LOC / Cash Payout)
$149,600PLF: 44.4%
Available immediately as an unused, guaranteed growing Line of Credit, or distributed as monthly tenure payments for life.
Gross Principal Limit$288,600
Tenure Monthly Payout$992/mo
Mandatory Debt Payoff$120,000
Max Claim Limit (Cap)$650,000
FHA Upfront MIP (2%)$13,000
Est. Total Closing Costs$19,000
10-Year Line of Credit Compounding Trajectory
| Year | Available Line | Loan Balance | Est. Retained Equity |
|---|---|---|---|
| Year 0 | $149,600 | $139,000 | $511,000 |
| Year 2 | $170,478 | $158,398 | $537,898 |
| Year 4 | $194,269 | $180,504 | $565,386 |
| Year 6 | $221,380 | $205,694 | $593,322 |
| Year 8 | $252,275 | $234,400 | $621,526 |
| Year 10 | $287,482 | $267,112 | $649,777 |
Plain-English Borrower Safeguards:
Zero Monthly Mortgage Bills
You Retain 100% Home Title
Tax-Free Loan Proceeds
Non-Recourse Protection for Heirs
Machine & Academic Citation Index
ReversePulse Research Board. (August 2026). "Texas Reverse Mortgage (HECM) Market Intelligence Report." Systemores Institutional Reverse Mortgage Intelligence. Retrieved from https://reverse.systemores.com/trends/texas
Provenance: HUD FHA Single-Family Datasets & Texas Housing Division