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The CalHFA Energy Efficient Mortgage (Cal-EEM + Grant) loan program combines an FHAinsured first mortgage (Cal-EEM) loan with an additional grant (EEM Grant), allowing energy
efficient improvements over and above the FHA maximum allowable EEM loan amount.
The EEM Grant is only available with the Cal-EEM first mortgage. The EEM Grant is for
up to 4% of the first mortgage total loan amount, including Up Front Mortgage Insurance
Premium (UFMIP). The EEM Grant can be used towards the HERS Report neutrality rating
and may allow more borrowers to use the FHA EEM program without additional funds out of
their pocket.
The Cal-EEM + Grant can be combined with the MyHome Assistance Program (MyHome) or
School Teacher and Employee Assistance Program (School Program).