Hi gander2694,
This is what I found on reverse mortgages that may help with your situation:
If the loan balance is less than the home value, your heirs can use the sale proceeds to repay the loan and keep the difference. If the balance owed on the loan is more than what the home is worth, your heirs can sell the home for at least 95 percent of the current appraised value in order to pay off the loan.
When the homeowner who took out the reverse mortgage passes away, the balance of the reverse mortgage becomes due. This can be quite the hefty bill, because the homeowner doesn’t have to make any loan payments during their lifetime. This means that the responsibility for making sure the mortgage is paid off falls on you, the heir.
Here are links that may help:
With a reverse mortgage loan, can my heirs keep or sell my home after I die?
Inheriting a House with a Reverse Mortgage - What You Need to Know
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