# Can lenders integrate the Eco Plus rebate upfront at funding?

> While CMHC typically sends a check, some prime lenders now offer 'Green Mortgages' that credit the 25% rebate directly against the closing costs at funding.

Category: Strategy
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/strategy/can-lenders-integrate-the-eco-plus-rebate-upfront-at-funding

## Answer
### Data Summary

- Upfront Credit: Available at credit unions and select Big 5 banks.
- Documentation: Requires the final EnerGuide label or certificate from the builder.
- Benefit: Reduces the buyer's cash-to-close requirements by thousands.

## Related guide
- https://ratellow.com/guides/cmhc-eco-plus-rebates

## Sources
- CMHC Eco Plus Official Program Page - CMHC — https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-plus
- CMHC Eco Improvement Official Page - CMHC — https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-eco-products/cmhc-eco-improvement