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IncentivesMap
MassachusettsLoan Program

Mass Save - HEAT Loan Program

You getUp to $25000
Apply on official siteView on DSIRE

Quick facts

Incentive type
Loan Program
Amount
Up to $25000
Administrator
MassSAVE
Funding source
Participating utilities, U.S. Department of Energy grant (expanded HEAT offerings)
Applies to
Utility, Residential, Multifamily Residential
Technologies
Solar Water Heat, Biomass, Geothermal Heat Pumps, Water Heaters, Furnaces, Boilers, Heat pumps, Duct/Air sealing, Building Insulation, Windows, Other EE, Tankless Water Heater

Dates

Source last updated
January 6, 2026

About this incentive

Residential customers of Cape Light Compact, National Grid, Eversource, Unitil, and municipal electric customers served by Columbia Gas of Massachusetts or Liberty Utilities may be eligible for zero-interest financing to help increase the energy efficiency of their homes through the Mass Save HEAT Loan Program. This financing is available to all residential customers who own and reside in a one to four-family residence, obtain a Home Energy Assessment through the Mass Save Program, and install the recommended energy efficiency improvements. The loans are available up to $50,000 (depending on utility) with terms of up to seven years. Energy efficiency improvements eligible for the HEAT Loan include: Insulation and air sealing High-efficiency heating systems Central air conditioning/air-source heat pumps Ductless mini split heat pumps High-efficiency domestic hot water systems Solar hot water systems ENERGY STAR-certified windows Customers must first complete a free Home Energy Assessment to find out which improvements will be eligible for HEAT loan program financing and to receive program paperwork. Customers may call Mass Save at (866) 527-7283 to schedule an assessment.

Data updated . Always confirm details on the official program website before applying. Programs change frequently.