Scott - while this is also my hope, somehow I doubt it that the builder would have insulated the garage unless it was sepcifically requested & paid for by the original owner. The house is only a few years old, and I may just call the builder to see if he can look in his paperwork and let me know whether this is the case.

LNEWQBAN - I agree about the garage door, not only do I need to insulate the back of it, I'll need to somehow insulate the sides (where the rails are) to stop draft from getting in. I am sure there are products that are specifically designed for that, I just need to search for them. Thanks for the offer to do the math, when I move in and get settled I'll take you up on that offer.