Cal-EEM + Grant Program (Energy Efficient Mortgage)
Cal-EEM + Grant Program (Energy Efficient Mortgage) is a first mortgage + forgivable grant from California Housing Finance Agency (CalHFA). Available statewide in California. Income limit: Per FHA/CalHFA limits.
Amount varies by program
Listed as open as of May 26, 2026
Available statewide in California.
| Income limit | Per FHA/CalHFA limits |
|---|---|
| Minimum credit score | 640 |
| Homebuyer education | Required |
| Sales price cap | Per FHA limits |
| Forgivable | Yes |
| Amount notes | Grant up to 4% of first mortgage for energy improvements |
| Notes | Finance solar, HVAC, insulation. |
| Phone | 877-922-5432 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: California Housing Finance Agency (CalHFA) · program details at the provider’s site.
See if Cal-EEM + Grant Program (Energy Efficient Mortgage) fits your purchase
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More California programs
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Deferred Silent Second · Up to 3.5%
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Deferred Closing Cost Assistance · Up to 4%
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First Mortgage (for pairing with DPA) · Amount varies by program
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First Mortgage (for pairing with DPA) · Amount varies by program
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Deferred Silent Second · Up to 2.5%
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Shared Appreciation Loan · Up to $150,000 or Up to 20%
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Forgivable Loan · Up to 10%
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Federal Tax Credit · Up to $2,000 or Up to 20%