It depends on whether the surviving spouse was listed as a co-borrower on the reverse mortgage. If so, they can continue to live in the home as long as they continue to meet the loan obligations to maintain the property and pay taxes, insurance, and other expenses. The surviving spouse will have to move out if they didn't sign on as a co-borrower unless they qualify under HUD rules as an eligible non-borrowing spouse. They can stay in the home in this case, but they won’t receive any further payments from the reverse mortgage. You may want to seek advice from a lawyer or housing counselor if you or your spouse isn't listed as a co-borrower.