The insurance premium of housing reverse mortgage is collected by the Federal Housing Administration (FHA) of the government to protect the interests of lending institutions and borrowers. For the loan company, when the borrower borrows more money than the price of the house, FHA will return the difference to the loan company. For the borrower, if the loan amount exceeds the market price of the house, the borrower is not responsible for repaying the difference beyond the house price, but FHA is responsible for repaying the loan company for the borrower.