Leveraging Funds for Green Affordable Housing Leveraging Funds for Leveraging Funds for Green Affordable Housing Green Affordable Housing The Federal Home Loan Bank of Pittsburgh’s Affordable Housing Program The Federal Home Loan Bank The Federal Home Loan Bank of Pittsburgh’s Affordable of Pittsburgh’s Affordable Housing Program Housing Program John Bendel Federal Home Loan Bank Pittsburgh, PA Marc Mondor, AIA Green Building Alliance Pittsburgh, PA
Transcript
Leveraging Funds for Green Affordable Housing
Leveraging Funds for Leveraging Funds for Green Affordable HousingGreen Affordable Housing
The Federal Home Loan Bank of Pittsburgh’s Affordable
Housing Program
The Federal Home Loan Bank The Federal Home Loan Bank of Pittsburgh’s Affordable of Pittsburgh’s Affordable
Housing ProgramHousing Program
John BendelFederal Home Loan Bank
Pittsburgh, PA
Marc Mondor, AIAGreen Building AlliancePittsburgh, PA
Created by Congress in 1932Created by Congress in 1932
Serve nearly 8,000 member financial Serve nearly 8,000 member financial institutionsinstitutions
Each is a cooperative whose member Each is a cooperative whose member institutions own the capital stock and institutions own the capital stock and receive dividends on their investmentsreceive dividends on their investments
Offer a variety of special community Offer a variety of special community productsproducts�� Affordable Housing Program Affordable Housing Program
The Affordable Housing Program(AHP)
The Affordable Housing ProgramThe Affordable Housing Program(AHP)(AHP)
Since 1990, the FHLBank annually sets aside approximately 10% of its net income to be awarded through the AHP
Projects provide affordable housing to individuals and families with “low” income (51-80% of area median) or “very low” (50% and below of area median)
The AHP has emerged as America’s largest private grant funder for the construction of affordable housing
Since 1990, the FHLBank annually sets aside Since 1990, the FHLBank annually sets aside approximately 10% of its net income to be approximately 10% of its net income to be awarded through the AHPawarded through the AHP
Projects provide affordable housing to Projects provide affordable housing to individuals and families with “low” income individuals and families with “low” income (51(51--80% of area median) or “very low” (50% 80% of area median) or “very low” (50% and below of area median) and below of area median)
The AHP has emerged as America’s largest The AHP has emerged as America’s largest private grant funder for the construction of private grant funder for the construction of affordable housingaffordable housing
FHLBank of Pittsburgh’s Affordable Housing Program
FHLBank of Pittsburgh’s FHLBank of Pittsburgh’s Affordable Housing ProgramAffordable Housing Program
Since the AHP program began in 1990:
Over $100 million committed for housing projects in PA, DE, MD, NJ and WV in grants and low interest loans
Over 700 projects approved, comprising over 21,000 affordable housing units
Leveraged over $1.6 billion in development
Over $100 million committed for housing Over $100 million committed for housing projects in PA, DE, MD, NJ and WV in grants projects in PA, DE, MD, NJ and WV in grants and low interest loansand low interest loans
Over 700 projects approved, comprising Over 700 projects approved, comprising over 21,000 affordable housing unitsover 21,000 affordable housing units
Leveraged over $1.6 billion in developmentLeveraged over $1.6 billion in development
Grants Available from the FHLBank of Pittsburgh’s AHP
Grants Available from the Grants Available from the FHLBankFHLBank of Pittsburgh’s AHPof Pittsburgh’s AHP
Offers grant funds typically totaling between $5 million and $20 million per year for affordable housing projects
As many as 100 applications are submitted for each funding round
Typically less than half of the applicants win funding in each round
Offers grant funds typically totaling between Offers grant funds typically totaling between $5 million and $20 million per year for $5 million and $20 million per year for affordable housing projects affordable housing projects
As many as 100 applications are submitted As many as 100 applications are submitted for each funding roundfor each funding round
Typically less than half of the applicants win Typically less than half of the applicants win funding in each round funding in each round
Eligibility for AHP FundsEligibility for AHP FundsEligibility for AHP FundsGrants and loans can be used for:� single- and multi-family housing� new construction and rehabilitation� rental and owner-occupied homes� scattered-site housing development
projects� transitional and single-room-occupancy
housing
Grants and loans can be used for:Grants and loans can be used for:�� singlesingle-- and multiand multi--family housingfamily housing�� new construction and rehabilitationnew construction and rehabilitation�� rental and ownerrental and owner--occupied homesoccupied homes�� scatteredscattered--site housing development site housing development
projectsprojects�� transitional and singletransitional and single--roomroom--occupancy occupancy
housinghousing
FHLBank AHP Scoring SystemFHLBankFHLBank AHP Scoring SystemAHP Scoring SystemProgram varies by districtScoring system is out of 100 pointsThere are NINE scoring categories, EIGHT of which are prescribed by FHFB:
� Nonprofit sponsorship� Demographic targeting� Providing housing for the homeless� Promotion of empowerment� Use of donated government-owned or
other properties� Community stability� Amount of AHP subsidy needed per unit
Program varies by districtProgram varies by districtScoring system is out of 100 pointsScoring system is out of 100 pointsThere are NINE scoring categories, EIGHT of There are NINE scoring categories, EIGHT of which are prescribed by FHFB:which are prescribed by FHFB:
�� Nonprofit sponsorshipNonprofit sponsorship�� Demographic targetingDemographic targeting�� Providing housing for the homelessProviding housing for the homeless�� Promotion of empowermentPromotion of empowerment�� Use of donated governmentUse of donated government--owned or owned or
other propertiesother properties�� Community stabilityCommunity stability�� Amount of AHP subsidy needed per unitAmount of AHP subsidy needed per unit
The AHP’s Operating Efficiency (OE) Category
The AHP’s Operating Efficiency The AHP’s Operating Efficiency (OE) Category(OE) Category
Low-income households spend 21.8% of their income on their household energy bills, over four times the percentage (5.1%) spent by median households
In 1998, the FHLBank of Pittsburgh created the Operating Efficiency (OE) category, recognizing the synergistic effects of energy efficiency – 8 POINTS
In 2003, the Design and Construction Efficiency Category was introduced, examining larger planning issues and construction methods –5 POINTS
LowLow--income households spend 21.8% of their income households spend 21.8% of their income on their household energy bills, over income on their household energy bills, over four times the percentage (5.1%) spent by four times the percentage (5.1%) spent by median householdsmedian households
In 1998, the In 1998, the FHLBankFHLBank of Pittsburgh created the of Pittsburgh created the Operating Efficiency (OE) category, Operating Efficiency (OE) category, recognizing the synergistic effects of energy recognizing the synergistic effects of energy efficiency efficiency –– 8 POINTS8 POINTS
In 2003, the Design and Construction Efficiency In 2003, the Design and Construction Efficiency Category was introduced, examining larger Category was introduced, examining larger planning issues and construction methods planning issues and construction methods ––5 POINTS5 POINTS
Operating Efficiency Category of the AHP
Operating Efficiency Category Operating Efficiency Category of the AHPof the AHP
Need for third party evaluation of the OE criterion� Conservation Consultants, Inc� The Green Building Alliance
Compliance standards� Pennsylvania’s Building Energy
Conservation Act 222 for envelope integrity
� Energy Star for appliances and HVAC� CTG Energetics created a comprehensive
rating system
Need for third party evaluation of the OE Need for third party evaluation of the OE criterioncriterion�� Conservation Consultants, IncConservation Consultants, Inc�� The Green Building Alliance The Green Building Alliance
Compliance standardsCompliance standards�� Pennsylvania’s Building Energy Pennsylvania’s Building Energy
Conservation Act 222 for envelope Conservation Act 222 for envelope integrity integrity
�� Energy Star for appliances and HVACEnergy Star for appliances and HVAC�� CTG Energetics created a comprehensive CTG Energetics created a comprehensive
rating systemrating system
Components of the Operating Efficiency Category
Components of the Operating Components of the Operating Efficiency CategoryEfficiency Category
EnvelopeAppliancesHot WaterSpace ConditioningLightingWater EfficiencySubjective Categories (not on form)
Scored in absolute points, then curved
EnvelopeEnvelopeAppliancesAppliancesHot WaterHot WaterSpace ConditioningSpace ConditioningLightingLightingWater EfficiencyWater EfficiencySubjective Categories (not on form)Subjective Categories (not on form)
Scored in absolute points, then curvedScored in absolute points, then curved
Affordable Housing Case Study:2,030 SF - 4 Bedroom UnitsAffordable Housing Case Study:Affordable Housing Case Study:2,030 SF 2,030 SF -- 4 Bedroom Units4 Bedroom UnitsClarion Commons, Pittsburgh, PA
Susquehanna Valley Development Group Inc.
Heating Costs Unit Total Annual Heating Cost
Lot. Address SF Heating Cost PSF / Month
# 9 111 Centreline Ave. 1210 $539.64 $0.0372
# 3 5 Foresman Drive 1152 $561.74 $0.0406
# 5 9 Foresman Drive 1152 $437.54 $0.0317
#7 13 Foresman Drive 1152 $414.14 $0.0300
#13 8 Foresman Drive 1100 $491.54 $0.0372
Average Heating Cost PSF Per Month - $0.0348
Four Bedroom 2030 SF X .0348 = $70.57 X 1.3 = $92/mo
Affordable Housing Case Study:2,030 SF - 4 Bedroom UnitsAffordable Housing Case Study:Affordable Housing Case Study:2,030 SF 2,030 SF -- 4 Bedroom Units4 Bedroom UnitsWall Framing
264 Ft. of – 2x4 Wall framing = $926
264 Ft. of – 2x6 Wall framing = $1,500
ADDITIONAL COST - $ 574
Wall Insulation
2112 SF - R13 @ 0.375/SF = $792
2112 SF - R19 @ 0.445/SF = $939
ADDITIONAL COST - $147
Super Insulation - 6 mil plastic @ 0.25/SF, Wrap
@ 0.08/SF and Seal package @ .07/SF =
ADDITIONAL COST ADDITIONAL COST - $369
Affordable Housing Case Study:2,030 SF - 4 Bedroom UnitsAffordable Housing Case Study:Affordable Housing Case Study:2,030 SF 2,030 SF -- 4 Bedroom Units4 Bedroom Units
Window Extension Jambs: 15 @ $12 per unit ADDITIONAL COST = $180
Ceiling
1015 SF Standard R38 Glass Batts - @.82/SF = $832
1015 SF Better R60 Cellulose @.59/SF = $598
SAVINGS $233
Heating System
With Super Insulation - 28,000 BTU Furnace w/ AC $525
Standard - 50,000 BTU Furnace w/ AC $1,445
SAVINGS $920
SUPER INSULATION PACKAGE NET ADDL. COST: $117
Affordable Housing Case Study:2,030 SF - 4 Bedroom UnitsAffordable Housing Case Study:Affordable Housing Case Study:2,030 SF 2,030 SF -- 4 Bedroom Units4 Bedroom UnitsSAVINGS FROM ENERGY EFFICIENCYSAVINGS FROM ENERGY EFFICIENCY
2030 SF 2030 SF -- 4 BEDROOM UNIT 4 BEDROOM UNIT
Monthly Operating Cost:
Heating, Cooking, Hot Water for 2,030 SF $ 92
City of Pittsburgh Section 8 Utility Allowance $180
SAVINGS PER MONTH $88
TOTAL ADDITIONAL COST $117
1.5 MONTH PAYBACK due to increasing envelope integrity and downsizing HVAC systems
AHP Funded Project: CCI Center Weatherization
AHP Funded Project: AHP Funded Project: CCI Center WeatherizationCCI Center Weatherization
Green Neighborhood Initiative • 1890 three-story, ten-room house in
Pittsburgh’s North Side• 1910 two-story, six-room row house in
Pittsburgh’s North Side • 1910 House in Pittsburgh’s South Hills
Actions• Air sealing: Electric outlet gaskets, window
plastics, door jamb kits installed• Insulation: Attic, wall, water heater, pipes• Compact fluorescent lights • High performance showerheads
Green Neighborhood Initiative Green Neighborhood Initiative •• 1890 three1890 three--story, tenstory, ten--room house in room house in
Pittsburgh’s North SidePittsburgh’s North Side•• 1910 two1910 two--story, sixstory, six--room row house in room row house in
Pittsburgh’s North Side Pittsburgh’s North Side •• 1910 House in Pittsburgh’s South Hills1910 House in Pittsburgh’s South Hills
ActionsActions•• Air sealing: Electric outlet gaskets, window Air sealing: Electric outlet gaskets, window
plastics, door jamb kits installedplastics, door jamb kits installed•• Insulation: Attic, wall, water heater, pipesInsulation: Attic, wall, water heater, pipes•• Compact fluorescent lights Compact fluorescent lights •• High performance showerheadsHigh performance showerheads
AHP Funded Project: CCI Center Weatherization
AHP Funded Project: AHP Funded Project: CCI Center WeatherizationCCI Center Weatherization
Energy savings:• 95 MCF of natural gas annually
(44% of annual usage)• 39 MCF of natural gas annually
(20% of annual usage)• 70 MCF of natural gas annually
(43% of annual usage)
Money savings:• $950 annually (44% of annual cost)• $390 annually (20% of annual cost)• $700 annually (43% of annual cost)
Energy savings:Energy savings:•• 95 MCF of natural gas annually 95 MCF of natural gas annually
(44% of annual usage)(44% of annual usage)•• 39 MCF of natural gas annually 39 MCF of natural gas annually
(20% of annual usage)(20% of annual usage)•• 70 MCF of natural gas annually 70 MCF of natural gas annually
(43% of annual usage)(43% of annual usage)
Money savings:Money savings:•• $950 annually (44% of annual cost)$950 annually (44% of annual cost)•• $390 annually (20% of annual cost)$390 annually (20% of annual cost)•• $700 annually (43% of annual cost)$700 annually (43% of annual cost)
Future of the AHP’s Operating Efficiency Criteria
Future of the AHP’s Operating Future of the AHP’s Operating Efficiency CriteriaEfficiency Criteria
Drafting of a green building Operating Efficiency informational booklet
Desire to sample completed AHP projects and compare usage patterns to their applications
The International Energy Conservation Code and other national standards are being considered for replacement of the more regional standard of Pennsylvania BECA Act 222
Drafting of a green building Operating Drafting of a green building Operating Efficiency informational booklet Efficiency informational booklet
Desire to sample completed AHP projects Desire to sample completed AHP projects and compare usage patterns to their and compare usage patterns to their applications applications
The International Energy Conservation Code The International Energy Conservation Code and other national standards are being and other national standards are being considered for replacement of the more considered for replacement of the more regional standard of Pennsylvania BECA Act regional standard of Pennsylvania BECA Act 222222
Future of the AHP’s Operating Efficiency Criteria
Future of the AHP’s Operating Future of the AHP’s Operating Efficiency CriteriaEfficiency Criteria
The FHLBank of Pittsburgh’s OE requirement and Design & Construction Efficiency categories are the only specific criteria to date among all the AHPs in the FHLBank System that reward green building measuresThe AHP application is relatively unburdened by the OE category. The FHLBank of Pittsburgh hopes that this model can be replicated by other affordable housing fundersWith the AHP leveraging over $1.6 billion of construction in the FHLBank of Pittsburgh’s region alone, utilizing this AHP as a model could have a tremendous impact
The FHLBank of Pittsburgh’s OE requirement The FHLBank of Pittsburgh’s OE requirement and Design & Construction Efficiency and Design & Construction Efficiency categories are the only specific criteria to categories are the only specific criteria to date among all the date among all the AHPsAHPs in the FHLBank in the FHLBank System that reward green building measuresSystem that reward green building measuresThe AHP application is relatively unburdened The AHP application is relatively unburdened by the OE category. The FHLBank of by the OE category. The FHLBank of Pittsburgh hopes that this model can be Pittsburgh hopes that this model can be replicated by other affordable housing replicated by other affordable housing fundersfundersWith the AHP leveraging over $1.6 billion of With the AHP leveraging over $1.6 billion of construction in the FHLBank of Pittsburgh’s construction in the FHLBank of Pittsburgh’s region alone, utilizing this AHP as a model region alone, utilizing this AHP as a model could have a tremendous impact could have a tremendous impact
Federal Home Loan Bank of Pittsburgh’s Affordable Housing Program
Federal Home Loan Bank of Pittsburgh’s Federal Home Loan Bank of Pittsburgh’s Affordable Housing ProgramAffordable Housing Program
www.fhlb-pgh.comwww.fhlb
www.gbapgh.org
www.fhlb--pgh.compgh.com
www.gbapgh.orgwww.gbapgh.org
Thank you…Thank you…Thank you…
John BendelFederal Home Loan Bank
Pittsburgh, PA
Marc Mondor, AIAGreen Building AlliancePittsburgh, PA
• Purpose: For applicant teams to better understand how to perform well in the OE category and build better projects in their practices
• Contents: facts, diagrams, case studies, relevant links and resources
• Availability: To be completed in late 2003; Will be available in hard copy print and for free access from the FHLBank of Pittsburgh’s web site
•• Purpose:Purpose: For applicant teams to better For applicant teams to better understand how to perform well in the OE understand how to perform well in the OE category and build better projects in their category and build better projects in their practices practices
•• Contents:Contents: facts, diagrams, case studies, facts, diagrams, case studies, relevant links and resourcesrelevant links and resources
•• Availability:Availability: To be completed in late To be completed in late 2003; Will be available in hard copy print 2003; Will be available in hard copy print and for free access from the FHLBank of and for free access from the FHLBank of Pittsburgh’s web sitePittsburgh’s web site
As a result of the introduction of the OE category, GBA has noticed a marked and steady increase in green building knowledge on the part of applying development teams Since the introduction of the revised application in early 2001, overall OE scores have increased from an average score of 127 in the 2001A round to 159 in the 2003 round (Figure 3.) Projects have displayed an increased adherence to green building criteria such as the U.S. Green Building Council’s LEED rating system or various model energy codes
As a result of the introduction of the OE As a result of the introduction of the OE category, GBA has noticed a marked and category, GBA has noticed a marked and steady increase in green building steady increase in green building knowledge on the part of applying knowledge on the part of applying development teams development teams Since the introduction of the revised Since the introduction of the revised application in early 2001, overall OE scores application in early 2001, overall OE scores have increased from an average score of have increased from an average score of 127 in the 2001A round to 159 in the 2003 127 in the 2001A round to 159 in the 2003 round (Figure 3.) round (Figure 3.) Projects have displayed an increased Projects have displayed an increased adherence to green building criteria such as adherence to green building criteria such as the U.S. Green Building Council’s LEED the U.S. Green Building Council’s LEED rating system or various model energy rating system or various model energy codes codes
20Targets the very-low-income10Promotes community stability10Generates empowerment5Uses donated properties5Provides housing for the homeless5Exhibits low subsidy per unit
5Is sponsored by nonprofit, local government, local authority
13OPERATING COST EFFICIENCYDesign and construction efficiency*
PointsMaximum
AHP Criterion
* Operating efficiency comprises 8 of the 13 points in this section.
Table 1. The FHLB of Pittsburgh’s AHP Scoring Criteria
44Blower door test
88Air sealing
R>022Insulation around boiler hot water delivery lines
Use of progressive and integrated design and Use of progressive and integrated design and construction techniquesconstruction techniques
Since the adoption of the green standards:
FHLBank has noted:• Applicant pool enlarged; some projects
attracted that might not have otherwise applied.
The Green Building Alliance (GBA), the category’s third-party evaluator, has noted:• General increase in green building intent
and sophistication on the part of applicant teams.
FHLBank has noted:FHLBank has noted:•• Applicant pool enlarged; some projects Applicant pool enlarged; some projects
attracted that might not have otherwise attracted that might not have otherwise applied.applied.
The Green Building Alliance (GBA), the The Green Building Alliance (GBA), the category’s thirdcategory’s third--party evaluator, has noted:party evaluator, has noted:•• General increase in green building intent General increase in green building intent
and sophistication on the part of applicant and sophistication on the part of applicant teams. teams.
About the FHLBanksAbout the FHLBanksAbout the FHLBanksDriven by private capital
Public sponsorship (not public money)
Regulated by Federal Housing Finance Board (FHFB)
The only wholesale source of community building funds for neighborhood banks
Driven by private capitalDriven by private capital
Public sponsorship (not public money)Public sponsorship (not public money)
Regulated by Federal Housing Finance Board Regulated by Federal Housing Finance Board (FHFB)(FHFB)
The The onlyonly wholesale source of community wholesale source of community building funds for neighborhood banks building funds for neighborhood banks
FHLBank of Pittsburgh’s AHP Scoring Criteria
FHLBank of Pittsburgh’s AHP FHLBank of Pittsburgh’s AHP Scoring CriteriaScoring Criteria
13 points: Operating Cost Efficiency� 8 points for Operating Efficiency and 5 points
for Design and Construction Efficiency5 points: Is sponsored by nonprofit, local government, local authority 5 points: Exhibits low subsidy per unit 5 points: Provides housing for the homeless5 points: Uses donated properties 10 Points: Generates empowerment10 points: Promotes Community Stability 20 points: Targets the very-low-income27 points: Addresses first-time home buyers/special needs/economic diversity/rural
13 points: Operating Cost Efficiency13 points: Operating Cost Efficiency�� 8 points for Operating Efficiency and 5 points 8 points for Operating Efficiency and 5 points
for Design and Construction Efficiencyfor Design and Construction Efficiency5 points: Is sponsored by nonprofit, local 5 points: Is sponsored by nonprofit, local government, local authority government, local authority 5 points: Exhibits low subsidy per unit 5 points: Exhibits low subsidy per unit 5 points: Provides housing for the homeless5 points: Provides housing for the homeless5 points: Uses donated properties 5 points: Uses donated properties 10 Points: Generates empowerment10 Points: Generates empowerment10 points: Promotes Community Stability 10 points: Promotes Community Stability 20 points: Targets the very20 points: Targets the very--lowlow--incomeincome27 points: Addresses first27 points: Addresses first--time home time home buyers/special needs/economic diversity/ruralbuyers/special needs/economic diversity/rural
Affordable Housing Case StudyAffordable Housing Case StudyAffordable Housing Case StudyClarion Commons, by Robert Yoder Sr.
Unit Total Annual Heating Cost
Lot. Address SF Heating PSF Per Month
# 9 111 Centreline Ave. 1210 $539.64 $0.0372
# 3 5 Foresman Drive 1152 $561.74 $0.0406
# 5 9 Foresman Drive 1152 $437.54 $0.0317
#7 13 Foresman Drive 1152 $414.14 $0.0300
#13 8 Foresman Drive 1100 $491.54 $0.0372
Heating Cost ComparablesHeating Cost Comparables
Average Per Square Foot Per Month $0.0348
Three Bedroom 1900 SF X .0348 = $66.05 X 1.30% = $88.20
Four Bedroom 2030 SF X .0348 = $70.57 X 1.30% = $91.75
Affordable Housing Case Study:2030 SF - 4 BEDROOM UNITAffordable Housing Case Study:Affordable Housing Case Study:2030 SF 2030 SF -- 4 BEDROOM UNIT4 BEDROOM UNIT
Wall Framing
264 Ft. of - 2 X 4 X 8 Wall = $926.00
264 Ft. of - 2 X 6 X 8 Wall = $1,500.00
Wall Framing Additional Difference - $ 574.00
Wall Insulation
2112 SF - 2 X 4 X 8 - R13 @ 0.375/Sq. Ft. = $792.00
2112 SF - 2 X 6 X 8 - R19 @ 0.445/Sq. Ft. = $939.00
Wall Insulation Additional Difference - $147.84
Super Insulation: 6 mill Plastic @ 0.25/SF, House Wrap
@ 0.08/SF and Super Seal package @ .07/SF = $369.60
Total Additional - $1,091.40
Affordable Housing Case StudyAffordable Housing Case StudyAffordable Housing Case StudyCeiling
1015 SF Standard R38 - Glass Batt - @.82/Sq. Ft. = $832.30
1015 Sq. Ft. Cellouse R60 @.59/Sq. Ft. = $598.85
SAVINGS $233.45
Window Extension Jamb $12.00 per unit X 15 = $180.00
Net Additional for Super Insulation Package $1,037.95
Heating System
With Super Insulation - 28,000 BTU Furnace w/ AC $525.00
Standard - 50,000 BTU Furnace w/ AC $1,445.00
SAVINGS $920.00
NET ADDITIONAL COST W/ SUPER INSULATION PACKAGE:$117.95
Affordable Housing Case StudyAffordable Housing Case StudyAffordable Housing Case StudySAVINGS FROM ENERGY EFFICIENCYSAVINGS FROM ENERGY EFFICIENCY
2030 SF 2030 SF -- 4 BEDROOM UNIT 4 BEDROOM UNIT
Monthly Operating Cost:
Heating, Cooking, Hot Water for 2,030 SF $ 91.75
City of Pittsburgh Section 8 Utility Allowance $180.00
SAVINGS PER MONTH $88.25
TOTAL ADDITIONAL COST $117.95
1-1/2 Month Payback
Project Featured: Clarion Commons, Robert Yoder Sr., Susquehanna Valley Development Group Inc.,Turbotville, PA (570) 649-5701
