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Energy Efficient Mortgage
Federal Housing Administration (FHA)


Federal Housing Administration

Veterans Administration

Program Overview

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

Benefit Details

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.

Benefit: Tax credits may be used to offset income tax liability. The value of the energy improvements are allowed above the appraised value.
Owner Occupancy Required:Yes
Other Program Comments:Maximum mortgage amount for a single family home is %160,950, plus the cost of the eligible energy-efficient improvements. (Limits may be lower in some areas in the country).

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