Mass Save® HEAT Loan
0% Interest. 100% Easy.Eligible Upgrades
No-interest loans are available for the following qualifying home energy efficiency improvements through the Mass Save HEAT Loan Program and Approved Lenders:
Central A/C and Heat Pumps
Required Documents Checklist
Required documentation to submit with your HEAT Loan Intake Form:
- Manufacturer and complete model number of equipment
- SEER, EER, and/or HSPF efficiency
- Scope of work and pricing
Financing Details
- If you're upgrading your central air system or central heat pump, you must obtain a proposal from and have work completed by a Mass Save measureQuick trained contractor.
Click here for a list of measureQuick trained contractors.
- Equipment that does not meet the efficiency standards as well as Do-It-Yourself (DIY) installations do not qualify. Click here to view qualifying equipment.
- Municipal customers that heat with natural gas do not qualify for electric upgrades.
- Electrical panel replacements and equipment upgrade financing may not exceed $500
- Fuel optimization rebates cannot be combined with standard rebates for the same equipment.
Heating System Replacement
Required Documents Checklist
Required documentation to submit with your HEAT Loan Intake Form:
- Manufacturer and complete model number of the heating equipment
- AFUE and/or COP efficiency rating
- Scope of work and pricing
Financing Details
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Equipment that does not meet the efficiency standards as well as Do-It-Yourself (DIY) installations do not qualify.
- New equipment must be right-sized for the home and follow state and local codes.
- Any new oil, propane, or gas furnace must come equipped with an electronically commutated motor.
- If necessary, you may be eligible to finance up to $4,000 for asbestos removal on or around your existing heating system if required for the replacement of your equipment. A contractor for this work must be submitted with your application.
- If insulation and/or air sealing measures are recommended by your Mass Save Energy Specialist, then the recommended measures must be completed in order to be eligible to finance a steam boiler or ground source heat pump.
- Please provide the cost for ineligible work, including removal or replacement of an oil/propane tank, installation of a humidifier, electronic air cleaner or an air filtration system. Those costs will be deducted from the loan total on your Authorization Form.

Water Heaters (including solar)
Required Documents Checklist
Required documentation to submit with your HEAT Loan Intake Form:
- Manufacturer and complete model number of the hot water heater
- Unified Energy Factor (UEF) efficiency rating
- Scope of work and pricing
- The rebate amount your contractor will apply for from the Massachusetts Clean Energy Center (MassCEC)
- The Solar Rating Certification Corporations (SRCC) certificate from your contractor
Financing Details
- Equipment that does not meet the efficiency standards as well as Do-It-Yourself (DIY) installations do not qualify.
- Heat pump water heaters are only eligible for financing when replacing an existing electric water, oil or propane heaters.
- Municipal customers that heat with natural gas only qualify for financing of natural gas equipment.
- If insulation and/or air sealing measures are recommended by your Mass Save Energy Specialist, the recommended measures must be completed in order to be eligible to finance a Freestanding Water Heater.

Insulation and Windows
Required Documents Checklist
Insulation
Required documentation to submit with your HEAT Loan Intake Form:
ENERGY STAR® Certified Replacement Windows
Required documentation to submit with your HEAT Loan Intake Form:
- Manufacturer and complete model number of replacement window(s)
- Scope of work
- Itemized cost per replacement window, including labor
Financing Details
Insulation
- Insulation financing is only available when specified and installed by a participating contractor of the Mass Save Home Energy Services Program.
Visit www.masssave.com/en/learn/find-a-contractor/
- Do-It-Yourself (DIY) installations and major structural repairs do not qualify.
- Recommended air sealing and insulation work must be completed if financing pre-weatherizations barriers.
ENERGY STAR® Certified Replacement Windows
- If insulation and/or air sealing upgrades were also recommended by your Mass Save Energy Specialist, they must be completed by a Mass Save participating contractor to be eligible for window financing.
- You may finance up to $500 for each eligible replacement windows, up to a total of $10,000.
- Windows must be ENERGY STAR® certified for Climate Zone 5 and be installed as replacements for single-pane windows.
- Do-It-Yourself (DIY) installations, replacement of existing double-pane windows, new construction windows, and major structural repairs or finish work do not qualify.
- Existing single pane windows must be pre-qualified for financing by your Energy Specialist during your Mass Save Home Energy Assessment. Refer to your HEAT Loan Instake Form for number of pre-qualified windows.
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.
Battery Storage Participating in ConnectSolutions New!
If you own a battery storage system, Connected Solutions lets you earn incentives for allowing your Sponsor to draw energy from it during times a peak demand.
Get Started
To get started, call Mass Save at 866-527-SAVE to schedule a Home Energy Assessment.For Eversource and National Grid customers only, please click below to submit your HEAT Loan application online or check on its status.
For Cape Light Compact, Unitil Electric and Liberty customers that live in municipal electric towns, please click below to submit your HEAT Loan Application online. If you have any questions or would like to check the status of your HEAT Loan, please contact RISE Engineering at 508-568-1926 (Cape Cod and Martha's Vineyard) or 800-422-5365 (all other areas).