VA Energy Efficient Mortgage
The VA Energy Efficient Mortgage is part of the VA home-loan benefit. Here is the plain-English rundown for 2026.
How it works
The VA Energy Efficient Mortgage lets you add the cost of qualifying energy improvements — up to $6,000 routinely — to your loan without a larger down payment, often paying for itself in utility savings.
Key things to know
- $0 down payment with full entitlement, and no monthly mortgage insurance.
- Requires a Certificate of Eligibility (COE) and a primary-residence occupancy plan.
- A one-time funding fee applies (financed; waived for many disabled veterans).
- VA county limits only matter for partial entitlement — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA Energy Efficient Mortgage?
- The VA Energy Efficient Mortgage lets you add the cost of qualifying energy improvements — up to $6,000 routinely — to your loan without a larger down payment, often paying for itself in utility savings.
- Do I need a down payment?
- No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.