Question about a reverse mortage Guaranteed by HUD

I have a reverse mortgage, that started at about $108,300. balance which has grown due to interest and various charges to $175,400. and based on the current estimated market value of the home which is 150,300 at best. That puts it at 25,000 underwater. The reverse mortgage required that a stead increasing mortgage Insurance Premium be added each month to protect the mortgage holder so that when I leave the home (for what ever reason i.e. death, nursing home or choose not to live there anymore) they can sell the house for what ever they can get and collect the mortgage insurance to cover any loss. I believe and I need for you to confirm according to HUD rules that I would not be responsible for any short sale (or underwater) loss by the mortgage company. I'm in my late seventies and want to move south to a better climate and one story home without stairs. I'm also a retired 20 year Air Force combat veteran with 100 % disability