Where can I obtain the HECM Principal Limit Factor Tables?

The Principal Limit Factor (PLF) tables may be uploaded or copied from HUD’s web site directly into any reverse mortgage technology system or tool used to support the HECM program.

The PLF tables have been revised and must be used for all FHA case numbers assigned on or after October 2, 2017. FHA released Version 2.4 of the HECM Calculation Software to accommodate the new PLF tables on September 19, 2017. The new tables include PLFs for use where the Borrower has a Non-Borrowing Spouse younger than 62.

The Principal Limit Factor tables are accessible from the Home Equity Conversion Mortgages for Lenders web page at https://www.hud.gov/program_offices/housing/sfh/hecm/

Mortgagee Letter 2017-12 is available at https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-02176