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Energy Efficient Mortgage
Federal Housing Administration (FHA)
Energy Efficient Mortgage is a
program that considers the savings on monthly utility bills when determining how large a mortgage the household can afford with energy efficient improvements. The program provides mortgage insurance for a person to purchase or refinance a principal residence and incorporate the costs of the energy efficient improvements into the total mortgage. The loan is funded by a participating FHA-approved lending institution. There are no restrictions for location. All Maryland residential properties are eligible for this program.
Property Eligibility Requirements
There are no location limitations.
The sales price cannot exceed $
Maximum mortgage limit for a single family home are established by FHA, plus the cost of the eligible energy-efficient improvements..
Allowable property types:
Allowable property types: 1-2 units existing and new construction, and FHA approved condo's
The cost of the energy improvements that may be eligible for financing into the mortgage may not exceed $8,000 (or $6,000 for VA). To be eligible for inclusion in this mortgage, the cost of the energy improvements and estimate of energy savings must be determined by a home energy report completed by a home energy rating system (HERS) inspector or consultant. Maximum of $8,000 from FHA and $6,000 from VA.
Please note: Every attempt is made to reflect
accurate and up to date information on housing programs displayed
on this site. Some inaccuracies may exist. For verification contact
a certified REALTOR member or a participating Lender.
For more information about this and other homebuyer programs please
contact one of the following:
Workforce Housing Certified REALTOR®
Find a participating Lender