With a Reverse Mortgage loan, in no event does the repayment amount exceed the value of the home, as long as the property is sold to satisfy the reverse mortgage balance. This is the ‘non-recourse’ feature that protects the homeowner should the housing market ever crash. If the heirs decide to keep the home, then the pay-off amount is simply the balance of the loan. All remaining equity in the house always belongs to the borrower and their heirs.