Can I combine the EEM program with Section 203(k)?

Yes. The Energy Efficient Mortgage (EEM) program can be used in conjunction with any mortgage insurance under Title II, including:

  •   203(b)
  •   Purchase
  •   No cash-out refinance
  •   203(h) Mortgage Insurance for Disaster Victims
  •   203(k) (Standard and Streamlined)
  •   Weatherization Policy (Existing Construction only)

The property types that the EEM may be used with include:

  •   New Construction properties (one- to four-units);
  •   Existing Construction properties (one- to four-units);
  •   condominiums (one unit); or
  •   Manufactured Housing.

When utilizing an EEM in conjunction with a 203(k), the items included in the maximum financeable energy package must be excluded from the items included when calculating the initial maximum base loan amount.

For additional information please visit the Energy Efficient Mortgage Program web page at

Handbook 4000.1 II.A.8.c. is available at