<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019cf87a-446e-7c60-8d6a-e7179301bcae,g:694dd043-7eea-4cca-8bc8-c28af004df5d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofFinancialCondition" xlink:type="simple" xlink:href="foa-20260331.xsd#CondensedConsolidatedStatementsofFinancialCondition"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofFinancialCondition" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cf87a-48d2-7b6e-aaf1-dd49c7c1158d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLongTermDebt_019cf87a-48d2-7303-bdbf-3fa4c16a5387" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLongTermDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-48d2-7b6e-aaf1-dd49c7c1158d" xlink:to="loc_us-gaap_OtherLongTermDebt_019cf87a-48d2-7303-bdbf-3fa4c16a5387" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019cf87a-48d2-7775-8378-42888fa49445" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-48d2-7b6e-aaf1-dd49c7c1158d" xlink:to="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019cf87a-48d2-7775-8378-42888fa49445" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-48d2-765b-a988-3b6685f7c0c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-48d2-7b6e-aaf1-dd49c7c1158d" xlink:to="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-48d2-765b-a988-3b6685f7c0c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_HMBSRelatedObligationAtFairValue_019cf87a-48d2-768b-b591-fe360b57e854" xlink:href="foa-20260331.xsd#foa_HMBSRelatedObligationAtFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-48d2-7b6e-aaf1-dd49c7c1158d" xlink:to="loc_foa_HMBSRelatedObligationAtFairValue_019cf87a-48d2-768b-b591-fe360b57e854" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayable_019cf87a-48d2-7f99-a23d-551318d7c5df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesPayable"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-48d2-7b6e-aaf1-dd49c7c1158d" xlink:to="loc_us-gaap_NotesPayable_019cf87a-48d2-7f99-a23d-551318d7c5df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ShareRepurchaseObligation_019cf87a-48d2-7296-a961-c7c8a412670f" xlink:href="foa-20260331.xsd#foa_ShareRepurchaseObligation"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-48d2-7b6e-aaf1-dd49c7c1158d" xlink:to="loc_foa_ShareRepurchaseObligation_019cf87a-48d2-7296-a961-c7c8a412670f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cf87a-48d2-7918-82a7-7d0c2ddfe0ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cf87a-48d2-7918-82a7-7d0c2ddfe0ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestment_019cf87a-48d2-7598-b167-e816717a78fb" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForInvestment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:to="loc_foa_FairValueOptionLoansHeldForInvestment_019cf87a-48d2-7598-b167-e816717a78fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashCurrent_019cf87a-48d2-7cb5-b1d0-78bc352f609a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:to="loc_us-gaap_RestrictedCashCurrent_019cf87a-48d2-7cb5-b1d0-78bc352f609a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019cf87a-48d2-79ef-93da-9c416bbeafad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:to="loc_us-gaap_OtherAssets_019cf87a-48d2-79ef-93da-9c416bbeafad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_019cf87a-48d2-7d39-b54e-75e49d7d0569" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:to="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligations_019cf87a-48d2-7d39-b54e-75e49d7d0569" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt_019cf87a-48d2-7f85-999a-b6954021699b" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:to="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebt_019cf87a-48d2-7f85-999a-b6954021699b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cf87a-48d2-783b-91b0-b84c1c6e8437" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019cf87a-48d2-7bd3-a449-c8162c93b06e" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cf87a-48d2-783b-91b0-b84c1c6e8437" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-713f-af11-47a2246d1f29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019cf87a-48d2-72d6-8cc1-07686a9c9403" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-713f-af11-47a2246d1f29" xlink:to="loc_us-gaap_CommonStockValue_019cf87a-48d2-72d6-8cc1-07686a9c9403" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cf87a-48d2-7b79-8dec-23a675359126" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-713f-af11-47a2246d1f29" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cf87a-48d2-7b79-8dec-23a675359126" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cf87a-48d2-75e3-9617-887ded08a126" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-713f-af11-47a2246d1f29" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cf87a-48d2-75e3-9617-887ded08a126" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019cf87a-48d2-7359-b7ee-f60c1139af36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-713f-af11-47a2246d1f29" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019cf87a-48d2-7359-b7ee-f60c1139af36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_019cf87a-48d2-7de0-a76c-69487f16fc3c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-713f-af11-47a2246d1f29" xlink:to="loc_us-gaap_MinorityInterest_019cf87a-48d2-7de0-a76c-69487f16fc3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019cf87a-48d2-779d-9c8d-24925afa5af3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-713f-af11-47a2246d1f29" xlink:to="loc_us-gaap_PreferredStockValue_019cf87a-48d2-779d-9c8d-24925afa5af3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cf87a-48d2-750b-90ff-cd0bd982c200" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019cf87a-48d2-7461-8afb-7cf0902dad67" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cf87a-48d2-750b-90ff-cd0bd982c200" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019cf87a-48d2-7461-8afb-7cf0902dad67" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cf87a-48d2-7a18-b12d-76fdf7e767d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cf87a-48d2-750b-90ff-cd0bd982c200" xlink:to="loc_us-gaap_Liabilities_019cf87a-48d2-7a18-b12d-76fdf7e767d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7840-ad03-9963410528af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cf87a-48d2-750b-90ff-cd0bd982c200" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7840-ad03-9963410528af" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofFinancialConditionVariableInterestEntities" xlink:type="simple" xlink:href="foa-20260331.xsd#CondensedConsolidatedStatementsofFinancialConditionVariableInterestEntities"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofFinancialConditionVariableInterestEntities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetAssetLiability_019cf87a-48d2-7028-9906-3858704af89f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueNetAssetLiability"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cf87a-48d2-7a19-9723-f1383a46f19e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FairValueNetAssetLiability_019cf87a-48d2-7028-9906-3858704af89f" xlink:to="loc_us-gaap_Liabilities_019cf87a-48d2-7a19-9723-f1383a46f19e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cf87a-48d2-7626-9544-2693c65f87c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FairValueNetAssetLiability_019cf87a-48d2-7028-9906-3858704af89f" xlink:to="loc_us-gaap_Assets_019cf87a-48d2-7626-9544-2693c65f87c9" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofOperationsUnaudited" xlink:type="simple" xlink:href="foa-20260331.xsd#CondensedConsolidatedStatementsofOperationsUnaudited"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofOperationsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019cf87a-48d2-7f1d-84c4-9fb0a9524c42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019cf87a-48d2-714e-b642-f04f3abd84dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019cf87a-48d2-7f1d-84c4-9fb0a9524c42" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019cf87a-48d2-714e-b642-f04f3abd84dc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest_019cf87a-48d2-7c04-a72c-f886a939754d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019cf87a-48d2-7f1d-84c4-9fb0a9524c42" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest_019cf87a-48d2-7c04-a72c-f886a939754d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019cf87a-48d2-70c0-abc2-c29c2529b208" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating_019cf87a-48d2-79bf-9c9b-daa1314322c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_019cf87a-48d2-70c0-abc2-c29c2529b208" xlink:to="loc_us-gaap_InterestIncomeOperating_019cf87a-48d2-79bf-9c9b-daa1314322c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019cf87a-48d2-7d1f-a67f-33ee2d8a2411" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_019cf87a-48d2-70c0-abc2-c29c2529b208" xlink:to="loc_us-gaap_InterestExpenseOperating_019cf87a-48d2-7d1f-a67f-33ee2d8a2411" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_OtherIncomeExpenseNet_019cf87a-48d2-7a51-974b-d8f94b013367" xlink:href="foa-20260331.xsd#foa_OtherIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeeIncome_019cf87a-48d2-782f-9a0a-2ea65b83ef8f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FeeIncome"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_OtherIncomeExpenseNet_019cf87a-48d2-7a51-974b-d8f94b013367" xlink:to="loc_us-gaap_FeeIncome_019cf87a-48d2-782f-9a0a-2ea65b83ef8f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019cf87a-48d2-79ac-80d7-34e0f4e8e51f" xlink:href="foa-20260331.xsd#foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_OtherIncomeExpenseNet_019cf87a-48d2-7a51-974b-d8f94b013367" xlink:to="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019cf87a-48d2-79ac-80d7-34e0f4e8e51f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNonoperatingNet_019cf87a-48d2-796d-ad1f-a392ae432a15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNonoperatingNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_OtherIncomeExpenseNet_019cf87a-48d2-7a51-974b-d8f94b013367" xlink:to="loc_us-gaap_InterestIncomeExpenseNonoperatingNet_019cf87a-48d2-796d-ad1f-a392ae432a15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cf87a-48d2-7810-ac98-635af0b79ee1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019cf87a-48d2-7ca0-85b4-b010dd3ec6de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cf87a-48d2-7810-ac98-635af0b79ee1" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019cf87a-48d2-7ca0-85b4-b010dd3ec6de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_OtherIncomeExpenseNet_019cf87a-48d2-7c49-89af-ae26bc7be50f" xlink:href="foa-20260331.xsd#foa_OtherIncomeExpenseNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019cf87a-48d2-7810-ac98-635af0b79ee1" xlink:to="loc_foa_OtherIncomeExpenseNet_019cf87a-48d2-7c49-89af-ae26bc7be50f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cf87a-48d2-790f-8308-a036e4f0aacb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_019cf87a-48d2-752d-b20a-77eee0a13c60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cf87a-48d2-790f-8308-a036e4f0aacb" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_019cf87a-48d2-752d-b20a-77eee0a13c60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cf87a-48d2-7013-810f-02e57057c0a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cf87a-48d2-790f-8308-a036e4f0aacb" xlink:to="loc_us-gaap_Revenues_019cf87a-48d2-7013-810f-02e57057c0a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019cf87a-48d2-7ec2-a730-9168d279ac94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cf87a-48d2-790f-8308-a036e4f0aacb" xlink:to="loc_us-gaap_OperatingExpenses_019cf87a-48d2-7ec2-a730-9168d279ac94" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations_019cf87a-48d2-73f7-916a-2e1ee341e458" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-71f2-aa84-46dc4f824dfe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperations_019cf87a-48d2-73f7-916a-2e1ee341e458" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-71f2-aa84-46dc4f824dfe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity_019cf87a-48d2-7b84-a07c-e1ef79b70c06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperations_019cf87a-48d2-73f7-916a-2e1ee341e458" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity_019cf87a-48d2-7b84-a07c-e1ef79b70c06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019cf87a-48d2-70dc-a1e4-cb5d04465cf0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanPortfolioExpense_019cf87a-48d2-745f-9a9d-db1bced3bb25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanPortfolioExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019cf87a-48d2-70dc-a1e4-cb5d04465cf0" xlink:to="loc_us-gaap_LoanPortfolioExpense_019cf87a-48d2-745f-9a9d-db1bced3bb25" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees_019cf87a-48d2-7ffb-adc4-9e93eb539d5d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019cf87a-48d2-70dc-a1e4-cb5d04465cf0" xlink:to="loc_us-gaap_ExpenseRelatedToDistributionOrServicingAndUnderwritingFees_019cf87a-48d2-7ffb-adc4-9e93eb539d5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingAndAdvertisingExpense_019cf87a-48d2-7531-b8cd-9d8127cd7d65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketingAndAdvertisingExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019cf87a-48d2-70dc-a1e4-cb5d04465cf0" xlink:to="loc_us-gaap_MarketingAndAdvertisingExpense_019cf87a-48d2-7531-b8cd-9d8127cd7d65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019cf87a-48d2-7a74-9256-7c2e981f1bff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019cf87a-48d2-70dc-a1e4-cb5d04465cf0" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019cf87a-48d2-7a74-9256-7c2e981f1bff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_019cf87a-48d2-70e0-aaea-ac8d45abe93f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019cf87a-48d2-70dc-a1e4-cb5d04465cf0" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_019cf87a-48d2-70e0-aaea-ac8d45abe93f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_019cf87a-48d2-766b-9a92-a45db873eba7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_019cf87a-48d2-70dc-a1e4-cb5d04465cf0" xlink:to="loc_us-gaap_DepreciationAndAmortization_019cf87a-48d2-766b-9a92-a45db873eba7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019cf87a-48d2-756e-96bb-5d41f2b70ee0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations_019cf87a-48d2-77ce-947e-d6d8357e9d30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019cf87a-48d2-756e-96bb-5d41f2b70ee0" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperations_019cf87a-48d2-77ce-947e-d6d8357e9d30" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019cf87a-48d2-730e-baf3-077724b8aa55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019cf87a-48d2-756e-96bb-5d41f2b70ee0" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019cf87a-48d2-730e-baf3-077724b8aa55" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7e50-b262-cd4031a64ecf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cf87a-48d2-7263-88db-72361361325b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7e50-b262-cd4031a64ecf" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cf87a-48d2-7263-88db-72361361325b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cf87a-48d2-7411-908d-e24b27bf87d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7e50-b262-cd4031a64ecf" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019cf87a-48d2-7411-908d-e24b27bf87d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019cf87a-48d2-7f0d-93fa-72a8d8f40699" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019cf87a-48d2-7a51-8050-4e064f664d74" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019cf87a-48d2-7f0d-93fa-72a8d8f40699" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019cf87a-48d2-7a51-8050-4e064f664d74" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7802-834d-4323a813feb4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019cf87a-48d2-7f0d-93fa-72a8d8f40699" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7802-834d-4323a813feb4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019cf87a-48d2-70f0-9626-5e318b4f7f51" xlink:href="foa-20260331.xsd#foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansGainsLossesOnSecuritizations_019cf87a-48d2-7565-bb3e-12fd9c0db945" xlink:href="foa-20260331.xsd#foa_LoansGainsLossesOnSecuritizations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019cf87a-48d2-70f0-9626-5e318b4f7f51" xlink:to="loc_foa_LoansGainsLossesOnSecuritizations_019cf87a-48d2-7565-bb3e-12fd9c0db945" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansFairValueGainLossFromModelAmortization_019cf87a-48d2-7a8e-9d87-79fadbbd63ab" xlink:href="foa-20260331.xsd#foa_LoansFairValueGainLossFromModelAmortization"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019cf87a-48d2-70f0-9626-5e318b4f7f51" xlink:to="loc_foa_LoansFairValueGainLossFromModelAmortization_019cf87a-48d2-7a8e-9d87-79fadbbd63ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions_019cf87a-48d2-77dc-bc3a-aa649cac77b9" xlink:href="foa-20260331.xsd#foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019cf87a-48d2-70f0-9626-5e318b4f7f51" xlink:to="loc_foa_LoansFairValueGainLossFromMarketInputsOrModelAssumptions_019cf87a-48d2-77dc-bc3a-aa649cac77b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LoanOriginationGainLoss_019cf87a-48d2-70d6-b6e8-9e15600373f4" xlink:href="foa-20260331.xsd#foa_LoanOriginationGainLoss"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_NetFairValueGainsLossesOnMortgageLoansAndRelatedObligations_019cf87a-48d2-70f0-9626-5e318b4f7f51" xlink:to="loc_foa_LoanOriginationGainLoss_019cf87a-48d2-70d6-b6e8-9e15600373f4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="simple" xlink:href="foa-20260331.xsd#CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7f58-9802-02bbd7788e81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_019cf87a-48d2-7a23-aacc-8adb0958ee7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7f58-9802-02bbd7788e81" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_019cf87a-48d2-7a23-aacc-8adb0958ee7c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019cf87a-48d2-72b4-a9bd-7ce3be05445d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-7f58-9802-02bbd7788e81" xlink:to="loc_us-gaap_ProfitLoss_019cf87a-48d2-72b4-a9bd-7ce3be05445d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cf87a-48d2-79c3-befa-f0863f307915" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-73b1-b456-ec7113cdb939" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cf87a-48d2-79c3-befa-f0863f307915" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019cf87a-48d2-73b1-b456-ec7113cdb939" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI_019cf87a-48d2-780d-a314-8ae84e0f8355" xlink:href="foa-20260331.xsd#foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cf87a-48d2-79c3-befa-f0863f307915" xlink:to="loc_foa_ComprehensiveIncomeNetOfTaxAttributableToCRNCI_019cf87a-48d2-780d-a314-8ae84e0f8355" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofCashFlowsUnaudited" xlink:type="simple" xlink:href="foa-20260331.xsd#CondensedConsolidatedStatementsofCashFlowsUnaudited"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/CondensedConsolidatedStatementsofCashFlowsUnaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cf87a-4995-7293-8648-890ac0218a96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashCurrent_019cf87a-4995-7512-ab0c-4ea60bfa625c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cf87a-4995-7293-8648-890ac0218a96" xlink:to="loc_us-gaap_RestrictedCashCurrent_019cf87a-4995-7512-ab0c-4ea60bfa625c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cf87a-4995-78dc-b7b3-5ec6d840138d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cf87a-4995-7293-8648-890ac0218a96" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cf87a-4995-78dc-b7b3-5ec6d840138d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cf87a-4995-797c-ba06-5c3fb68c1853" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-7d12-85f7-902fcb7abb05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cf87a-4995-797c-ba06-5c3fb68c1853" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-7d12-85f7-902fcb7abb05" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations_019cf87a-4995-77fd-a87c-cc7e8028cd0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cf87a-4995-797c-ba06-5c3fb68c1853" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations_019cf87a-4995-77fd-a87c-cc7e8028cd0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cf87a-4995-7fbe-882f-a08ba763ad64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cf87a-4995-797c-ba06-5c3fb68c1853" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cf87a-4995-7fbe-882f-a08ba763ad64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-77c3-bffc-45eb2d6d005b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cf87a-4995-797c-ba06-5c3fb68c1853" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-77c3-bffc-45eb2d6d005b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-71a2-ae50-b5569016d982" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment_019cf87a-4995-77a1-b04d-d743a8d76cf5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-71a2-ae50-b5569016d982" xlink:to="loc_us-gaap_PaymentsToAcquireLoansAndLeasesHeldForInvestment_019cf87a-4995-77a1-b04d-d743a8d76cf5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment_019cf87a-4995-74ec-9f59-0ceb0958240d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-71a2-ae50-b5569016d982" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansAndLeasesHeldForInvestment_019cf87a-4995-74ec-9f59-0ceb0958240d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_019cf87a-4995-7c16-a400-69c07e66fdcc" xlink:href="foa-20260331.xsd#foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-71a2-ae50-b5569016d982" xlink:to="loc_foa_PurchasesAndOriginationOfMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_019cf87a-4995-7c16-a400-69c07e66fdcc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_019cf87a-4995-7dda-ada4-9f7611a84021" xlink:href="foa-20260331.xsd#foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-71a2-ae50-b5569016d982" xlink:to="loc_foa_PaymentsOnMortgageLoansHeldForInvestmentSubjectToNonrecourseDebt_019cf87a-4995-7dda-ada4-9f7611a84021" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019cf87a-4995-761b-b65c-e6bd2b3e558d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cf87a-4995-71a2-ae50-b5569016d982" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019cf87a-4995-761b-b65c-e6bd2b3e558d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ProceedsFromIssuanceOfHmbsRelatedObligations_019cf87a-4995-757b-93ed-f2164f2b4e77" xlink:href="foa-20260331.xsd#foa_ProceedsFromIssuanceOfHmbsRelatedObligations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_foa_ProceedsFromIssuanceOfHmbsRelatedObligations_019cf87a-4995-757b-93ed-f2164f2b4e77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsOnHMBSRelatedObligations_019cf87a-4995-717c-9508-7b99035b162a" xlink:href="foa-20260331.xsd#foa_PaymentsOnHMBSRelatedObligations"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_foa_PaymentsOnHMBSRelatedObligations_019cf87a-4995-717c-9508-7b99035b162a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ProceedsFromIssuanceOfNonrecourseDebt_019cf87a-4995-76c4-881c-31edfff3170d" xlink:href="foa-20260331.xsd#foa_ProceedsFromIssuanceOfNonrecourseDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_foa_ProceedsFromIssuanceOfNonrecourseDebt_019cf87a-4995-76c4-881c-31edfff3170d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_PaymentsOnNonrecourseDebt_019cf87a-4995-7faa-97a9-af1968a59897" xlink:href="foa-20260331.xsd#foa_PaymentsOnNonrecourseDebt"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_foa_PaymentsOnNonrecourseDebt_019cf87a-4995-7faa-97a9-af1968a59897" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromOtherDebt_019cf87a-4995-7a16-b2af-52589f21d1fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromOtherDebt"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_us-gaap_ProceedsFromOtherDebt_019cf87a-4995-7a16-b2af-52589f21d1fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfOtherDebt_019cf87a-4995-73d4-85e6-5a96d08cea4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfOtherDebt"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_us-gaap_RepaymentsOfOtherDebt_019cf87a-4995-73d4-85e6-5a96d08cea4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfEquity_019cf87a-4995-785f-99d2-eb55ade60019" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfEquity"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfEquity_019cf87a-4995-785f-99d2-eb55ade60019" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019cf87a-4995-727f-b025-63a56dcd6173" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019cf87a-4995-727f-b025-63a56dcd6173" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019cf87a-4995-773c-b21e-09677f892efe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cf87a-4995-759a-9d40-83b085a4460b" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019cf87a-4995-773c-b21e-09677f892efe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cf87a-4995-713a-9784-e034e97a57cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019cf87a-4995-75ef-80b3-27e5c06f1209" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cf87a-4995-713a-9784-e034e97a57cf" xlink:to="loc_us-gaap_ProfitLoss_019cf87a-4995-75ef-80b3-27e5c06f1209" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_019cf87a-4995-79ad-9130-d59c97f1031f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cf87a-4995-713a-9784-e034e97a57cf" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_019cf87a-4995-79ad-9130-d59c97f1031f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/ConsolidatedStatementsofOperationsAlternativeCalc" xlink:type="simple" xlink:href="foa-20260331.xsd#ConsolidatedStatementsofOperationsAlternativeCalc"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/ConsolidatedStatementsofOperationsAlternativeCalc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019d90fc-a1fb-7849-9b22-292c063fe06f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations_019d90fc-a1fb-7915-9b65-b794b4402414" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019d90fc-a1fb-7849-9b22-292c063fe06f" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperations_019d90fc-a1fb-7915-9b65-b794b4402414" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019d90fc-a1fb-7d35-a69b-20ac1dca4145" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019d90fc-a1fb-7849-9b22-292c063fe06f" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019d90fc-a1fb-7d35-a69b-20ac1dca4145" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/DiscontinuedOperationsDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#DiscontinuedOperationsDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/DiscontinuedOperationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019cf87a-4995-7928-bdba-f1730e468771" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest_019cf87a-4995-7b3b-9483-54cc833c7707" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019cf87a-4995-7928-bdba-f1730e468771" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToNoncontrollingInterest_019cf87a-4995-7b3b-9483-54cc833c7707" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019cf87a-4995-7608-8549-860bcf246d52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019cf87a-4995-7928-bdba-f1730e468771" xlink:to="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019cf87a-4995-7608-8549-860bcf246d52" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019cf87a-4995-7d47-83b8-3e7826c38b4f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationGeneralAndAdministrativeExpense_019cf87a-4995-7949-9abe-35cff24437b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationGeneralAndAdministrativeExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019cf87a-4995-7d47-83b8-3e7826c38b4f" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationGeneralAndAdministrativeExpense_019cf87a-4995-7949-9abe-35cff24437b1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/VariableInterestEntitiesandSecuritizationsScheduleoftheAssetsandLiabilitiesoftheCompanysConsolidatedVariableInterestEntitiesDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#VariableInterestEntitiesandSecuritizationsScheduleoftheAssetsandLiabilitiesoftheCompanysConsolidatedVariableInterestEntitiesDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/VariableInterestEntitiesandSecuritizationsScheduleoftheAssetsandLiabilitiesoftheCompanysConsolidatedVariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_foa_ConsolidatedLiabilitiesAfterElimination_019cf87a-4995-7d0a-87f9-47ef739ca3d6" xlink:href="foa-20260331.xsd#foa_ConsolidatedLiabilitiesAfterElimination"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cf87a-4995-75e8-be28-5f951d3d67b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_ConsolidatedLiabilitiesAfterElimination_019cf87a-4995-7d0a-87f9-47ef739ca3d6" xlink:to="loc_us-gaap_Liabilities_019cf87a-4995-75e8-be28-5f951d3d67b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation_019cf87a-4995-79f4-b946-aa56c9cc8bc2" xlink:href="foa-20260331.xsd#foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_ConsolidatedLiabilitiesAfterElimination_019cf87a-4995-7d0a-87f9-47ef739ca3d6" xlink:to="loc_foa_RetainedBondsAndBeneficialInterestsEliminatedInConsolidation_019cf87a-4995-79f4-b946-aa56c9cc8bc2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cf87a-4995-7ca9-9d48-b48d1c6fe96e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019cf87a-4995-73e3-8972-1a5c12c9c7be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-4995-7ca9-9d48-b48d1c6fe96e" xlink:to="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilitiesCurrent_019cf87a-4995-73e3-8972-1a5c12c9c7be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-4995-7680-846b-d963d829bff6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-4995-7ca9-9d48-b48d1c6fe96e" xlink:to="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-4995-7680-846b-d963d829bff6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLongTermDebt_019cf87a-4995-7c83-881f-251b4b2c2c8a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLongTermDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019cf87a-4995-7ca9-9d48-b48d1c6fe96e" xlink:to="loc_us-gaap_OtherLongTermDebt_019cf87a-4995-7c83-881f-251b4b2c2c8a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/FairValueScheduleofRecognizedAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#FairValueScheduleofRecognizedAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/FairValueScheduleofRecognizedAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019cf87a-4995-7682-b05c-6a3d54498dc1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019cf87a-4995-7804-b48d-cc1217be1325" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cf87a-4995-7682-b05c-6a3d54498dc1" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019cf87a-4995-7804-b48d-cc1217be1325" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedInterestFairValueDisclosure_019cf87a-4995-7ec0-852a-10ec9de11cde" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedInterestFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cf87a-4995-7682-b05c-6a3d54498dc1" xlink:to="loc_us-gaap_RetainedInterestFairValueDisclosure_019cf87a-4995-7ec0-852a-10ec9de11cde" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019cf87a-4995-7aa5-af1d-ca4f097ffb77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgagesHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019cf87a-4995-7682-b05c-6a3d54498dc1" xlink:to="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019cf87a-4995-7aa5-af1d-ca4f097ffb77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019cf87a-4995-767b-90b3-0016c0cd4f7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue_019cf87a-4995-761e-adc2-9a74df10bc4f" xlink:href="foa-20260331.xsd#foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019cf87a-4995-767b-90b3-0016c0cd4f7c" xlink:to="loc_foa_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedHmbsRelatedObligationsAtFairValue_019cf87a-4995-761e-adc2-9a74df10bc4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFairValue_019cf87a-4995-7a78-ab66-6d3cb51c442c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019cf87a-4995-767b-90b3-0016c0cd4f7c" xlink:to="loc_us-gaap_DebtInstrumentFairValue_019cf87a-4995-7a78-ab66-6d3cb51c442c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleNotesPayable_019cf87a-4995-75d9-826e-a8b15aad0668" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertibleNotesPayable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019cf87a-4995-767b-90b3-0016c0cd4f7c" xlink:to="loc_us-gaap_ConvertibleNotesPayable_019cf87a-4995-75d9-826e-a8b15aad0668" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_RepurchaseAgreementObligation_019cf87a-4995-7c91-9609-82959fd6ee5b" xlink:href="foa-20260331.xsd#foa_RepurchaseAgreementObligation"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019cf87a-4995-767b-90b3-0016c0cd4f7c" xlink:to="loc_foa_RepurchaseAgreementObligation_019cf87a-4995-7c91-9609-82959fd6ee5b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_DeferredPurchaseLiabilitiesAtFairValue_019e07da-bd06-74ee-9a19-ae581b8c8816" xlink:href="foa-20260331.xsd#foa_DeferredPurchaseLiabilitiesAtFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019cf87a-4995-767b-90b3-0016c0cd4f7c" xlink:to="loc_foa_DeferredPurchaseLiabilitiesAtFairValue_019e07da-bd06-74ee-9a19-ae581b8c8816" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_TaxReceivableAgreementObligationFairValue_019e07da-bd06-7019-8300-91b67a94caab" xlink:href="foa-20260331.xsd#foa_TaxReceivableAgreementObligationFairValue"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019cf87a-4995-767b-90b3-0016c0cd4f7c" xlink:to="loc_foa_TaxReceivableAgreementObligationFairValue_019e07da-bd06-7019-8300-91b67a94caab" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/ReverseMortgageLoanPortfolioScheduleofCompositionandRemainingUPBsofReverseMortgageLoanPortfolioDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#ReverseMortgageLoanPortfolioScheduleofCompositionandRemainingUPBsofReverseMortgageLoanPortfolioDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/ReverseMortgageLoanPortfolioScheduleofCompositionandRemainingUPBsofReverseMortgageLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_019cf87a-4995-7ada-8a34-30208e2b659d" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance_019cf87a-4995-79d4-aa98-dfe9646388e6" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_019cf87a-4995-7ada-8a34-30208e2b659d" xlink:to="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToHMBSObligationsUnpaidPrincipalBalance_019cf87a-4995-79d4-aa98-dfe9646388e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance_019cf87a-4995-7daa-b16f-05aec1ba6f00" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_019cf87a-4995-7ada-8a34-30208e2b659d" xlink:to="loc_foa_FairValueOptionLoansHeldForInvestmentSubjectToNonrecourseDebtUnpaidPrincipalBalance_019cf87a-4995-7daa-b16f-05aec1ba6f00" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance_019cf87a-4995-753a-91b5-0162d17620f5" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_019cf87a-4995-7ada-8a34-30208e2b659d" xlink:to="loc_foa_FairValueOptionLoansHeldForInvestmentUnpaidPrincipalBalance_019cf87a-4995-753a-91b5-0162d17620f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance_019cf87a-4995-731b-9fd9-2608d7330271" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_foa_FairValueOptionLoansHeldForInvestmentAndLoansHeldForSaleUnpaidPrincipalBalance_019cf87a-4995-7ada-8a34-30208e2b659d" xlink:to="loc_foa_FairValueOptionLoansHeldForSaleUnpaidPrincipalBalance_019cf87a-4995-731b-9fd9-2608d7330271" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/NonrecourseDebtatFairValueScheduleofNonrecourseDebtatFairValueDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#NonrecourseDebtatFairValueScheduleofNonrecourseDebtatFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/NonrecourseDebtatFairValueScheduleofNonrecourseDebtatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-4995-705b-9345-a01b0c45840f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonrecourseLoanFinancingLiability_019cf87a-4995-7515-8f70-1dec5b58a27e" xlink:href="foa-20260331.xsd#foa_NonrecourseLoanFinancingLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-4995-705b-9345-a01b0c45840f" xlink:to="loc_foa_NonrecourseLoanFinancingLiability_019cf87a-4995-7515-8f70-1dec5b58a27e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_NonRecourseDebtFairValueAdjustments_019cf87a-4995-7f05-ac2c-792ad665694b" xlink:href="foa-20260331.xsd#foa_NonRecourseDebtFairValueAdjustments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-4995-705b-9345-a01b0c45840f" xlink:to="loc_foa_NonRecourseDebtFairValueAdjustments_019cf87a-4995-7f05-ac2c-792ad665694b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance_019cf87a-4995-77f0-af22-0fdfce1aab07" xlink:href="foa-20260331.xsd#foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cf87a-4995-705b-9345-a01b0c45840f" xlink:to="loc_foa_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalance_019cf87a-4995-77f0-af22-0fdfce1aab07" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/NonrecourseDebtatFairValueScheduleOfEstimatedMaturitiesForNonrecourseDebtFairValueDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#NonrecourseDebtatFairValueScheduleOfEstimatedMaturitiesForNonrecourseDebtFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/NonrecourseDebtatFairValueScheduleOfEstimatedMaturitiesForNonrecourseDebtFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019cf87a-4995-70fc-98e9-371f414fb670" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019cf87a-4995-7e9b-8d5b-c1f4de36895d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019cf87a-4995-70fc-98e9-371f414fb670" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019cf87a-4995-7e9b-8d5b-c1f4de36895d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019cf87a-4995-7f31-8dd3-15090fec3dfe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019cf87a-4995-70fc-98e9-371f414fb670" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019cf87a-4995-7f31-8dd3-15090fec3dfe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019cf87a-4995-722b-8562-d2c255bb5412" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019cf87a-4995-70fc-98e9-371f414fb670" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019cf87a-4995-722b-8562-d2c255bb5412" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019cf87a-4995-7649-a8c0-95a748f2a3d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019cf87a-4995-70fc-98e9-371f414fb670" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019cf87a-4995-7649-a8c0-95a748f2a3d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019cf87a-4995-7eb8-bbea-aa775f2efcc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019cf87a-4995-70fc-98e9-371f414fb670" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019cf87a-4995-7eb8-bbea-aa775f2efcc2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_LongTermDebtMaturityAfterYearFour_019cf87a-4995-7008-beb9-78ed125d51a8" xlink:href="foa-20260331.xsd#foa_LongTermDebtMaturityAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019cf87a-4995-70fc-98e9-371f414fb670" xlink:to="loc_foa_LongTermDebtMaturityAfterYearFour_019cf87a-4995-7008-beb9-78ed125d51a8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/EarningsLossPerShareScheduleofBasicEarningsLossPerSharebyCommonClassDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#EarningsLossPerShareScheduleofBasicEarningsLossPerSharebyCommonClassDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/EarningsLossPerShareScheduleofBasicEarningsLossPerSharebyCommonClassDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019cf87a-4a9d-7cb4-88ef-5396d9a918a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-4a9d-7232-8fcb-c6d330881cef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019cf87a-4a9d-7cb4-88ef-5396d9a918a4" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019cf87a-4a9d-7232-8fcb-c6d330881cef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity_019cf87a-4a9d-7b90-9bad-57aca0f8f5d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019cf87a-4a9d-7cb4-88ef-5396d9a918a4" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsAttributableToNoncontrollingEntity_019cf87a-4a9d-7b90-9bad-57aca0f8f5d9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019cf87a-4a9d-7b8f-92fb-09c9b799e439" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019cf87a-4a9d-7cb4-88ef-5396d9a918a4" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019cf87a-4a9d-7b8f-92fb-09c9b799e439" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019cf87a-4a9d-7204-bc01-051688245122" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_019cf87a-4a9d-7f8f-8ed6-45c2f1ba6f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_019cf87a-4a9d-7204-bc01-051688245122" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_019cf87a-4a9d-7f8f-8ed6-45c2f1ba6f7b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_019cf87a-4a9d-7024-b87e-d94f12594088" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_019cf87a-4a9d-7204-bc01-051688245122" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_019cf87a-4a9d-7024-b87e-d94f12594088" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.financeofamerica.com/role/EarningsLossPerShareScheduleofDilutedEarningsLossPerSharebyCommonClassDetails" xlink:type="simple" xlink:href="foa-20260331.xsd#EarningsLossPerShareScheduleofDilutedEarningsLossPerSharebyCommonClassDetails"/>
  <link:calculationLink xlink:role="http://www.financeofamerica.com/role/EarningsLossPerShareScheduleofDilutedEarningsLossPerSharebyCommonClassDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted_019cf87a-4a9d-7eb9-96b6-783dd7e905d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReallocationOfNetIncomeLossFromDiscontinuedOperationsAssumingExchange_019cf87a-4a9d-7700-89f6-64b809084ba3" xlink:href="foa-20260331.xsd#foa_ReallocationOfNetIncomeLossFromDiscontinuedOperationsAssumingExchange"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted_019cf87a-4a9d-7eb9-96b6-783dd7e905d5" xlink:to="loc_foa_ReallocationOfNetIncomeLossFromDiscontinuedOperationsAssumingExchange_019cf87a-4a9d-7700-89f6-64b809084ba3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersBasic_019cf87a-4a9d-7a2d-ac16-2e9fc1c1d525" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersBasic"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted_019cf87a-4a9d-7eb9-96b6-783dd7e905d5" xlink:to="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersBasic_019cf87a-4a9d-7a2d-ac16-2e9fc1c1d525" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019cf87a-4a9d-71e7-835d-4ff7279fe3f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_019cf87a-4a9d-7791-8b24-9a1e98716715" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_019cf87a-4a9d-71e7-835d-4ff7279fe3f8" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_019cf87a-4a9d-7791-8b24-9a1e98716715" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_019cf87a-4a9d-7e7d-b585-359c25bcc2b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_019cf87a-4a9d-71e7-835d-4ff7279fe3f8" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_019cf87a-4a9d-7e7d-b585-359c25bcc2b6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019cf87a-4a9d-7c5c-b09a-8a5f2d332c77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock_019cf87a-4a9d-7e23-bedf-c07044f674b9" xlink:href="foa-20260331.xsd#foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019cf87a-4a9d-7c5c-b09a-8a5f2d332c77" xlink:to="loc_foa_ReallocationOfNetIncomeLossFromContinuingOperationsAssumingExchangeOfStock_019cf87a-4a9d-7e23-bedf-c07044f674b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cf87a-4a9d-7e61-bbe0-94da53f41b3e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019cf87a-4a9d-7c5c-b09a-8a5f2d332c77" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cf87a-4a9d-7e61-bbe0-94da53f41b3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestOnConvertibleDebtNetOfTax_019cf87a-4a9d-7cbc-8b2e-e2cc4aff9fd1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestOnConvertibleDebtNetOfTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019cf87a-4a9d-7c5c-b09a-8a5f2d332c77" xlink:to="loc_us-gaap_InterestOnConvertibleDebtNetOfTax_019cf87a-4a9d-7cbc-8b2e-e2cc4aff9fd1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_019cf87a-4a9d-7744-b344-55c046b3afd8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionChangesInFairValueGainLoss1"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019cf87a-4a9d-7c5c-b09a-8a5f2d332c77" xlink:to="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_019cf87a-4a9d-7744-b344-55c046b3afd8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredDividendsNetOfTax_019cf87a-4a9d-72cb-ab1e-fba427bf38e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertiblePreferredDividendsNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019cf87a-4a9d-7c5c-b09a-8a5f2d332c77" xlink:to="loc_us-gaap_ConvertiblePreferredDividendsNetOfTax_019cf87a-4a9d-72cb-ab1e-fba427bf38e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cf87a-4a9d-723c-888e-2a9219889882" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cf87a-4a9d-7070-a95e-1c5a5a48552a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cf87a-4a9d-723c-888e-2a9219889882" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cf87a-4a9d-7070-a95e-1c5a5a48552a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares_019cf87a-4a9d-7fde-be84-c69d7ce56a6d" xlink:href="foa-20260331.xsd#foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cf87a-4a9d-723c-888e-2a9219889882" xlink:to="loc_foa_IncrementalCommonSharesAttributableToExchangeOfClassAUnitsForShares_019cf87a-4a9d-7fde-be84-c69d7ce56a6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_019cf87a-4a9d-7668-a1ad-d8cf079b6abe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cf87a-4a9d-723c-888e-2a9219889882" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_019cf87a-4a9d-7668-a1ad-d8cf079b6abe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_foa_ForwardSaleContractDilutiveShares_019cf87a-4a9d-7a0a-960b-d9c67ef52ac5" xlink:href="foa-20260331.xsd#foa_ForwardSaleContractDilutiveShares"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cf87a-4a9d-723c-888e-2a9219889882" xlink:to="loc_foa_ForwardSaleContractDilutiveShares_019cf87a-4a9d-7a0a-960b-d9c67ef52ac5" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
