The U.S. Department of Housing and Urban Development and the U.S. Department of Veterans Affairs offer programs where buyers may include the costs of home energy improvements in new mortgage loans.
FHA Rehab Loans (203K) provide the opportunity for green enhancements to be included in both new home purchases, as well as refinancing existing properties. For program specifics, click on the links below:
U.S. Department of Housing and Urban Development (FHA) Programs
U.S. Department of Veterans Affairs (VA) Programs
South Pacific Financial offers a finance program, which can be used to purchase a new ENERGY STAR home, or to purchase or renovate an existing home for energy efficiency.