Should the loan amount submitted to TOTAL include the financeable energy package for an Energy Efficient Mortgage?

For purposes of submission to the TOTAL Mortgage Scorecard (TOTAL), the Mortgagee must utilize the initial Base Loan Amount prior to the addition of the financeable energy package for an Energy Efficient Mortgage (EEM). 
If the Mortgagee obtains an Accept or Approve on a mortgage application that does not include the financeable energy package, FHA will recognize the risk rating from TOTAL Mortgage Scorecard and permit the increase to the Mortgage Payment without re-underwriting or rescoring. The Mortgagee must provide a form HUD-92900-LT, FHA Loan Underwriting and Transmittal Summary, without the financeable energy package, showing the qualifying ratios in the case binder. A second form HUD-92900-LT must be completed by the underwriter showing mortgage amount calculation that includes the financeable energy package, as reflected in FHA Connection. The second form must also be included in the case binder. 
The underwriter must attest on the second form HUD-92900-LT that they have reviewed the calculations associated with the energy efficient improvements and found the mortgage and the property to be in compliance with FHA's underwriting instructions. 

The EEM Home page is located at
For additional information see Handbook 4000.1 II.A.8.c.vii(A) available at


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-04491