Update...
I few days before the audit I had an epiphany regarding the second floor knee wall on the north side of the house. I had been back there over the summer installing a bathroom fan for the downstairs bathroom, and noticed that the insulation was falling down from the rafters (Cape roof/cathedral ceiling). But, dopy me -- I didn't think anything about it. So, I went back there again, and sure enough half of it had fallen out, along the whole north side of the house. I put it all back up which resulted in a 5 degree temp change upstairs within 24 hours.
I had the energy audit last Wednesday. It confirmed some problems I thought I might have, and uncovered some more.
1) Massive air leaks in the basement around the rim joists. Actually two joist bays where there was no rim joist at all -- just stuffed fiberglass "blocking" a full on hole to the outside under the deck!
2) While inspecting the rim joists, I noticed that the first floor on the north and south sides of the house are also cantilevered out about 9 inches. The IR camera from the audit showed the first floor on the north and south sides of the house to be very cold. The "insulation" in the cantilevered section (accessible from the basement rim joists), was just shoved in fiberglass.
3) South facing knee wall on the second floor has big problems. Ah, the joys of living in a Cape.
4) He said the sunroom is not an issue. And the windows, while not great, are not terrible. So, he felt I didn't need to rush out and get all new windows. That was a relief.
All told, I think fixing these problems will cost < $1000 in materials. And since the program is affiliated with HL&P (local electric company) there are no insulation rebates. I didn't know about free air-sealing, but I'll call them about that. If the insulation rebates are not offered, I doubt the air sealing is.
So, I've already started sealing the air leaks in the basement at the rim joists, and working on the knee walls upstairs. It's already improved the temp upstairs another 4 degrees, and I've barely started. So, now instead of waking up to 50 degrees upstairs, it's 59. Improvement!
Found some great material on knee walls, rim joists, and cantilevered floors.
http://www.finehomebuilding.com/design/departments/energy-smart-details/air-sealing-a-basement.aspx
http://www.finehomebuilding.com/des...art-details/how-to-insulate-a-cold-floor.aspx
http://www.finehomebuilding.com/how...ils/two-ways-to-insulate-attic-kneewalls.aspx
I'll report back when I have everything done.