FHA / VA EEM lets you finance efficiency upgrades AND stretch DTI to qualify.
FHA / VA / Fannie Mae Energy-Efficient Mortgage add-ons let buyers finance efficiency improvements (solar, HVAC, windows) into the purchase loan AND stretch DTI ratios (lenders allow +2% back-end ratio) recognizing lower utility costs. Combined with 30% federal solar ITC, buyer can install $30K solar and effectively finance $20K of it interest-free via ITC + net-zero utility savings.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.