The HECM for Purchase (H4P for short) allows those 62 or better to dramatically increase their home purchasing power. This FHA insured mortgage program does not require monthly mortgage payments thus having a similar utility to cash. The homeowner is required to maintain property charges and maintenance. The H4P calculator is designed to allow you to quickly estimate how much home you can afford to purchase using the HECM for Purchase. Brought to you by Retirement Funding Solutions, the nation’s leading H4P Lender.