Mass Save® HEAT Loan

Your home energy project may be eligible for a 0% interest loan.

The Sponsors of Mass Save® are buying down the interest rates to make energy efficiency more affordable for Massachusetts residents. With our HEAT Loan, you could qualify for a loan of up to $25,000 toward qualified energy efficient home improvements with terms up to 7 years, depending on your Sponsor and the loan provider.

To get started, call Mass Save at 866-527-7283 to schedule a Home Energy Assessment. A Mass Save representative will review the results of the assessment, let you know which improvements would be eligible for HEAT Loan financing, and give you all the paperwork you need.


Eligible Upgrades

The following are the HEAT Loan Eligible Services available for funding through our approved HEAT Loan Lenders:

We've increased the HEAT Loan limits on the dollar amounts that can be used to finance the removal of barriers like knob and tube wiring and asbestos that prevent insulation or heating upgrades.

In addition, the Massachusetts Department of Energy Resources (DOER) provides 0% Loan Offers and Grants for:

  • High-Efficiency Wood Pellet Boilers 
  • Expanded 2-4 Family Loan
  • Income-qualified grants to remove Asbestos and Vermiculite and upgrade Knob & Tube Wiring

If you are a condo owner, you must be a past or present participant in the Multi-Family Program to qualify for the HEAT Loan. Download a checklist of condo owner requirements.


For National Grid & Eversource customers only, please click below to submit your HEAT Loan Application online or check on its status


Already Submitted Your Loan Application?


How to Apply for a HEAT Loan

We offer easy, step-by-step instructions on how to apply for a HEAT Loan.

HEAT Loans are also available for customers of Cape Light Compact JPE, Unitil Electric, and Municipal Electric customers served by Columbia Gas of Massachusetts or Liberty Utilities. For more details in these service areas, please contact RISE Engineering at 508-568-1926 (Cape Cod and Martha’s Vineyard) or 800-422-5365 (all other areas).