Calculator
VA Energy Efficient Mortgage (EEM) Savings Calculator
Do the upgrades actually pay for themselves?
Net monthly cash flow change
$19
Monthly utility savings
$55
Added P&I (if financed)
$36
Annual utility savings
$660
Simple payback
9.1 yrs
10-year total benefit
$2,283
Financing $6,000 into a 6% VA loan adds $36/mo to your payment, but your utility bill drops by $55/mo. Net result: you're cash-flow positive.
Ready for a real number?