Zero Energy Modular Construction Details & Financing Options

  • Compare costs of purchase plus energy

    • All homes are built with the same materials and methods as traditional stick-built homes. 
    • Quality materials and components separate these homes from the traditional manufactured homes on the market.
    • Triple-pane windows made in New England provide increased insulation and reduce energy loss. 
    • Built-in heat recovery ventilation systems provide a low-cost and reliable source of heating and cooling.
    • High-efficiency water heaters save on energy costs.
    • The double 2x4 constructed walls and blown fiberglass insulation ensure that the living environment will be warm in the winter and cool in the summer. 
    • The absence of chemicals found in the materials used to construct traditional manufactured housing will provide a noticeable improvement in air quality.

    While a new, energy efficient home costs more than a traditional manufactured home, the annual energy costs are projected to be one third the energy costs of a new, conventional manufactured home. The total monthly payment for mortgage plus energy costs is nearly identical in the two homes, but in a traditional, HUD-certified home, energy accounts for nearly 50% of monthly housing costs while in the energy efficient home, energy costs make up only 16% of the monthly housing costs. Home buyers can realize savings within one to two years over the cost of a less energy efficient home that costs more to heat and cool, resulting in savings on monthly housing expenses over the life of your home.

    Manufactured Housing Downpayment Loan and Purchase Subsidy Programs
    Contact the Home Ownership Center near you listed here to find out about the Manufactured Housing Purchase Subsidy Program. These 0% interest loans of up to $35,000 for new, zero energy modular homes placed in non-profit owned mobile home parks require no monthly payments. They are secured by a second mortgage on your home and are repaid upon sale, transfer or refinance of the property. For more information on the Manufactured Housing Downpayment Loan Program, call toll free: 877-274-7431 or visit

    The USDA Rural Development Section 502 Direct Loan Program provides low interest loans to eligible home buyers to assist low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income.