age int64 62 99 | interestRate float64 3 18.9 | principalLimitFactor float64 0.07 0.75 | table stringclasses 1
value | ageRange stringclasses 1
value | source stringclasses 1
value | note stringclasses 1
value |
|---|---|---|---|---|---|---|
62 | 3 | 0.524 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
62 | 3.125 | 0.524 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
62 | 3.25 | 0.522 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
62 | 3.375 | 0.513 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
62 | 3.5 | 0.504 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
62 | 3.625 | 0.496 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
62 | 3.75 | 0.487 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
62 | 3.875 | 0.479 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3 | 0.53 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3.125 | 0.53 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3.25 | 0.528 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3.375 | 0.519 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3.5 | 0.511 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3.625 | 0.502 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3.75 | 0.493 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
63 | 3.875 | 0.485 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3 | 0.536 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3.125 | 0.536 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3.25 | 0.534 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3.375 | 0.526 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3.5 | 0.517 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3.625 | 0.508 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3.75 | 0.5 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
64 | 3.875 | 0.492 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3 | 0.542 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3.125 | 0.542 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3.25 | 0.54 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3.375 | 0.532 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3.5 | 0.523 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3.625 | 0.515 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3.75 | 0.506 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
65 | 3.875 | 0.498 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3 | 0.549 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3.125 | 0.549 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3.25 | 0.547 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3.375 | 0.538 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3.5 | 0.529 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3.625 | 0.521 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3.75 | 0.513 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
66 | 3.875 | 0.505 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3 | 0.556 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3.125 | 0.556 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3.25 | 0.553 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3.375 | 0.545 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3.5 | 0.536 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3.625 | 0.528 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3.75 | 0.52 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
67 | 3.875 | 0.512 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3 | 0.562 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3.125 | 0.562 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3.25 | 0.56 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3.375 | 0.551 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3.5 | 0.543 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3.625 | 0.535 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3.75 | 0.527 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
68 | 3.875 | 0.519 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3 | 0.569 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3.125 | 0.569 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3.25 | 0.566 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3.375 | 0.558 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3.5 | 0.55 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3.625 | 0.542 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3.75 | 0.534 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
69 | 3.875 | 0.526 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3 | 0.576 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3.125 | 0.576 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3.25 | 0.57 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3.375 | 0.562 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3.5 | 0.554 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3.625 | 0.546 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3.75 | 0.538 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
70 | 3.875 | 0.53 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3 | 0.583 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3.125 | 0.578 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3.25 | 0.57 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3.375 | 0.562 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3.5 | 0.554 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3.625 | 0.546 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3.75 | 0.538 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
71 | 3.875 | 0.53 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3 | 0.588 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3.125 | 0.58 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3.25 | 0.572 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3.375 | 0.563 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3.5 | 0.555 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3.625 | 0.547 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3.75 | 0.539 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
72 | 3.875 | 0.531 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3 | 0.595 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3.125 | 0.587 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3.25 | 0.579 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3.375 | 0.57 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3.5 | 0.562 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3.625 | 0.555 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3.75 | 0.547 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
73 | 3.875 | 0.539 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
74 | 3 | 0.602 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
74 | 3.125 | 0.593 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
74 | 3.25 | 0.585 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
74 | 3.375 | 0.577 | general | 62-99 | HUD FY2018 HECM PLF Tables (Current) | PLF = percentage of home value available as reverse mortgage proceeds |
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HECM Principal Limit Factor (PLF) Tables
Complete PLF lookup table with 4,864 age-rate combinations for calculating reverse mortgage borrowing capacity. Ages 62-99, interest rates 3.0%-18.875%.
How PLF Works
PLF determines what percentage of your home's value you can access:
- Higher age = higher PLF (more money available)
- Lower interest rate = higher PLF
- Example: Age 72 at 6.5% rate = PLF of 0.434 (43.4% of home value)
Data Fields
| Field | Type | Description |
|---|---|---|
| age | number | Borrower age (62-99) |
| interestRate | number | Expected interest rate |
| principalLimitFactor | number | PLF (0 to 1) |
Calculation Example
Home value $400,000, age 72, rate 6.5%:
- PLF = 0.434
- Principal Limit = $400,000 x 0.434 = $173,600
Source
HUD FY2018 HECM PLF Tables (current as of 2026 - tables have not been updated).
Expert
Wendy Thompson, CDLP - Reverse Mortgage Specialist
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