CalHFA Energy Efficient Mortgage (EEM)

California Housing Finance Agency

Available Energy Assistance

About This Program

CalHFA Energy Efficient Mortgage (EEM) is available to homeowners in Modesto, CA.

Allows homebuyers to finance energy-efficient improvements into their CalHFA mortgage at the time of purchase or refinance. Available to first-time buyers and income-qualified repeat buyers in Modesto.

Adds up to $10,000 in energy upgrade costs to mortgage amount at favorable rates

Data last verified 2026-05-25. How we verify our data.

In Modesto, CA, you can combine this program with other local help to cut your cost:

Key Details

  • Add up to $10,000 for energy upgrades to mortgage
  • Available with CalHFA home loans
  • Covers solar, HVAC, insulation, windows
  • Income limits apply in Stanislaus County
  • Must complete at time of purchase or refinance

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Modesto, CA 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 Modesto 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.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • 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: Available with CalHFA mortgage programs

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 CalHFA Energy Efficient Mortgage (EEM) provide in Modesto, CA?

Up to $10,000 added to mortgage.

Who qualifies for CalHFA Energy Efficient Mortgage (EEM) in Modesto?

CalHFA Energy Efficient Mortgage (EEM) is open to homeowners in Modesto, CA.

How do I apply for CalHFA Energy Efficient Mortgage (EEM) in Modesto, CA?

Apply directly with California Housing Finance Agency using the official program link on this page or call (877) 922-5432. 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 Modesto, CA contractors

Find More Programs in Modesto, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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