FHA Energy Efficient Mortgage (EEM)

Federal Housing Administration

Available Energy Assistance

About This Program

FHA Energy Efficient Mortgage (EEM) is available to homeowners in Elizabethtown, KY.

FHA mortgage program that allows homebuyers and homeowners to finance energy-efficient improvements into their mortgage. Can add up to 5% of home value for upgrades identified in a home energy assessment.

Finances energy upgrades into mortgage; lower monthly utility costs offset increase

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

This is a national program. In Elizabethtown, KY, you can stack it with local programs like these:

Key Details

  • Finance energy upgrades into FHA mortgage
  • Add up to 5% of home value for improvements
  • Home energy assessment required
  • Covers insulation, HVAC, solar, windows, etc.
  • Available for purchase or refinance

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 225-5342

A grant-savvy contractor in Elizabethtown, KY can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Elizabethtown early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing through FHA-approved lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can FHA Energy Efficient Mortgage (EEM) provide in Elizabethtown, KY?

Add energy upgrades to mortgage (up to 5% of home value).

Who qualifies for FHA Energy Efficient Mortgage (EEM) in Elizabethtown?

FHA Energy Efficient Mortgage (EEM) is open to homeowners in Elizabethtown, KY. It has no income limit.

How do I apply for FHA Energy Efficient Mortgage (EEM) in Elizabethtown, KY?

Apply directly with Federal Housing Administration using the official program link on this page or call (800) 225-5342. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Elizabethtown, KY contractors

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