If someone takes out a Reverse Mortgage of $200,000 at 6.8% Interest how much will they owe in five years time and ten years time
what you are basically asking is
how much is a present value of 200,000 worth in 5 years , and in 10 years, at a rate of 6.8%
amount after 5 yrs = 200000(1.068)^5 = 277,898.54
change the exponent 5 to 10 for the 10 year part
Note: Normally a reverse mortgage consists of repeated equal payments for some set time, not a single payment like in your question.
What you are describing is simply a loan with your home as collateral. I am ignoring different rules and regulations that may exist in different countries or regions.