Jt Some questions please. What is your location? What size home living area? What size furnace and eff are you replacing? What size AC are you replacing? I would like to know the exact mdl number evap coil for each quote. What thermostat is proposed for the Carrier quote? That is a big difference between the 96% eff Carrier furnace and the 80% eff Trane furnace-both 60 K input. That would be about 56 KBTUs output on the Carrier and about 48 KBTUs on the Trane. Not insignificant. I don't care for some shortcuts that homeowners make particularly on reusing linesets and using existing thermostats that shortchange a nice furnace's operational capability. Post back with the info requested. IMO

So, My dad wasn't worried about the efficiency or the comfort of 2-stage etc. His concern is that he wants the furnace in the basement and the builder doesn't want to do it. He says the basement will be too cold (which someone here said it will be colder). He is concerned with frozen pipes and I guess the coldness of the space in general. Frozen pipes might be a very small chance, but once he knows of a potential problem he doesn't take chances. He wouldn't buy the house they saw that had two sump pumps...... I explained to mom that the hvac contractor has probably engineered (or whatever it's called) the model with the unit in the attic and moving it would involve changing more than just the location of the unit. I suggested that maybe they can run a duct down into the basement for a couple of vents or maybe look into a gas fireplace down there that they could run when there is a vicious cold snap or he is doing stuff down there. Maybe they make a wall heater of some type that would be effective and would be less $ than an actual gas fireplace as they don't plan to finish the space. Not sure if a few vents or a separate heater, or getting them to actually move the furnace would be cheaper and/or most effective. They are extending their attorney review period until they get this sorted out, so it's a big deal to dad. If we can come up with a solution the builder will do that doesn't break the bank it would be great! Thanks for everyone's input.

buck one of my pet peeves is how GCs and HVAC subs want to ruin good new home construction comfort which is exactly what has occured to you. only with divine intervention can you effectively heat/cool three floors off one system without zoning controls. here's my suggestion. not cheap but will be a vast improvement over what you have. I would install a separate system for upstairs most probably a three ton but you need to verify with a professionally performed load calculation for correct sizing. this three ton would be a high eff HP system with var speed air handler. you will require a complete new ductwork system installed in the attic with supplies/returns cut in the ceiling. you need to determine if existing system is salvageable. if not, I would look at a dual fuel system-VS gas furnace with two stg HP, and zoning controls for the main floor/basement. this will not be cheap but you will be happy in the long run. For the main floor/basement system ,I recommend Carrier which has the best system with integrated zoning controls for residential. IMO

@ Saltidawg: I do see your point... I suppose yearly maintenance is not that big of a deal, and it would be a good idea to have a yearly tune-up/inspection with any type of system anyway. Perhaps "maintenance" is not the right term for all my concerns... it's also the "inconvenience" factor, having to rely on deliveries and worrying about the tank running dry. I know that can be avoided by coordination with your oil delivery service, but I don't like getting on automatic fill-up plans when fill-ups cost so much. (If just using oil as back-up, it would be less of a concern though.) I'm also thinking about long-term costs, such as if the furnace ever had to be replaced (I'm guessing that would be 4-5K?), or if the oil tank had to be replaced (I'm guessing that would be about 2K?). My furnace should be ok for a while, but the tank is 60 years old, so I feel like I could have problems with it. If I consider keeping oil, I suppose I should have the tank inspected. It also has a broken gauge so that should be fixed too. (If I just got rid of the oil, I could avoid that.) It's about about $3,000 more to go with HP with electric back-up than HP with oil back-up. The additional cost isn't just for the electrical upgrade... it also includes going 15 SEER vs. 13 SEER, additional equipment and labor, and removal of oil tank. I would have a higher SEER, sufficient electrical power if it's ever needed for anything else in the house, the tank out of my house, never having to worry about it leaking... also approx. ~20%-ish saving over oil back-up heat if oil stays at $4/gal, potentially more if oil prices go higher. $3,000 isn't a trivial amount, but I feel like once that conversion is done, all you ever have to worry about is one system, the heat pump... no oil furnaces, no oil tanks... so over time, I feel like money would be saved. (Correct me if I'm wrong... an HP with oil back-up should have about the same lifespan as HP with electric back-up, shouldn't it? There's additional electrical components to worry about, but I feel like it's usually the compressor that craps out over time, and compressor usage would be about the same either way, wouldn't it?) That being said, you do have some good points, and I will take them into consideration. If my oil tank is ok, maybe it isn't worth the extra 3K at this time to get rid of oil. If it's not, well then I'd rather take the 2K that would have to go to replacing the oil tank, and put that towards getting rid of oil. @ david_cary and weedmeister: Thanks for the info. I'm still a little confused about actual percent savings, but I think if I'm going to go through with this, it would be ideal to go with a 15 SEER, which I may not be able to do that if I keep the oil. Since my current A/C unit is 10 SEER, I think I would save a decent amount on A/C bills with 15 SEER. (I wish I knew how much of my electric bill actually goes to A/C and what goes to other stuff, but I don't really have a way to tell that.) @ cindywhitall: HP with oil back-up would not have electric back-up strips. If the oil craps out, then it would come down to repairing/replacing the oil furnace, adding electric back-up later, or adding some other back-up later. If I wanted to keep oil AND add electric back-up also, it would cost more than the current higher cost route, and I'm not sure it would even be possible. Oil prices to me seem a lot more unstable than electricity, but that's anybody's guess. Yes, I know I need to make a decision soon, before it gets cold. I know I can easily get through until mid-to-end October without heat, but not beyond that. My electric bill doesn't have the costs on one line either... I added up all the "per kwh" usage charges, and that's where I got the $0.114. My August bill was for acutal usage of 1903 kwh. Does your bill have gas on it too? (BGE puts electric and gas both on the same bill, but since I don't have gas, my bill only includes electric.) I don't know how NJ's rates are, but MD (BGE) did have a pretty big price increase around 2007/2008... however, since then electric rates have come down every year. I use an alternate supplier for additional savings. Rates are only guaranteed until May 2013, and they'll be announcing future rates this fall. My winter rates with the alternate supplier are the same as summer rates. FYI - I am female. My husband doesn't think it's necessary to do an HVAC upgrade, so that's why I'm looking into it. He thinks we should either use only wood and spaceheaters (which we did last year and was AWFUL), or get some oil, but try to make one fill-up (~250 gal, $1000) last all winter, which is unrealistic. Besides the oil issue, we have some other HVAC issues that really should be addressed (we should have some additional ductwork, the A/C doesn't work well on the 2nd floor, etc.), so I think it's really necessary to do something NOW. @mike_home: As mentioned, the tank is one of my concerns, being 60 years old. I wouldn't buy (another) house with all oil either, and if I could go back in time, probably wouldn't have bought this one. BUT - I can't change that now, so here I am :) SO WHERE I AM RIGHT NOW: I know oil alone for heating is not a good option, and something really should be done. I still need to get some more estimates, and I'm honestly not sure yet about keeping the oil as back-up or not. I don't see a big advantage to keeping oil, except less up front cost, and the off chance that oil prices could go lower one day (which I don't ever see happening). I could keep the oil as back-up now and look into other back-up sources later. I don't think we'd really need MUCH oil for back-up... I'm not looking for a toasty 75 degrees... more like 65 degrees most of the time is good enough. We also have the wood stove too. The only drawbacks to keeping oil are that we may only be limited to 13 SEER, and I'm worried about the condition of the oil tank... also it's a good time to remove the 60 year old tank NOW while it's empty... so it's a tough call. No one has commented on geothermal, but I may look into that too... doesn't hurt to get an estimate, right?