Calculator

VA Energy Efficient Mortgage (EEM) Savings Calculator

Do the upgrades actually pay for themselves?

Current average monthly utility bill

Electric + gas, before upgrades

Estimated upgrade cost

Total cost of insulation, HVAC, solar, etc.

Estimated annual utility savings

Percent reduction in utility bills

Assumed rate

User-supplied assumption if financing — not a published or offered rate

Loan term

Finance upgrades into the VA loan

Adds the upgrade cost to your loan balance

Results

Enter your own assumed interest rate above to see estimated results.

We do not publish or preload rates. Any rate you enter is your own assumption, not a quoted or available rate.

Educational estimate only—not a Loan Estimate, credit decision, commitment to lend, or guarantee. Actual eligibility, rates, fees, payments, and terms may differ.

Related guides & calculators

VA Energy Efficient Mortgage guide

What upgrades qualify and the dollar tiers.

VA EEM program

How the improvement funds are handled.

Monthly payment (PITI) calculator

See the payment with the upgrades financed.

All VA calculators

Affordability, PITI, funding fee, refinance, EEM, owelty, and more.

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VA Energy Efficient Mortgage (EEM) Savings Calculator

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