District of Columbia Reverse Mortgage Guide (2026)

District of Columbia Housing Market Analysis

District of Columbia is considered a high-value market. With average home values exceeding $635,000, many homeowners here find that standard HECM loans cap their proceeds unfairly. If your home is worth over $1.2M, you are likely a candidate for a Jumbo Reverse Mortgage, which allows for loan amounts up to $4 million.

Loan Limits in District of Columbia

For 2026, the federal lending limit is $1,209,750.

Since the median home value in District of Columbia is below this cap, your loan amount will be determined strictly by your age and current interest rates, not by the lending cap.

Specific Laws for District of Columbia

District of Columbia generally follows standard federal HUD guidelines for reverse mortgages. This includes the requirement for independent counseling and the right to a 3-day rescission period after closing.

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