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

High-efficiency heating and cooling equipment helps keep your home more comfortable year round and reduces energy costs.

Required Documents Checklist

Required documentation to submit with your HEAT Loan Intake Form:

  • Signed contractor proposal that includes:
    • Manufacturer and complete model number of equipment
    • SEER, EER, and/or HSPF efficiency
    • Scope of work and pricing
  • Matching AHRI certificate or AHRI reference number. AHRI certificates can be found at ahridirectory.org using the equipment model number.

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.

Minimum Efficiency Standards

Standard central air conditioning and central heat pump rebates
Rebate amount1 Equipment type Efficient requirements
$50 per ton Central Air Conditioning AHRI SEER ≥ 16, EER ≥ 13
$250 per ton Central Heat Pump Refer to Heat Pump Qualified Products List at MassSave.com/HPQPL

 

Fuel optimization rebates
Rebate amount1 Equipment type Efficient requirements Primary fuel type Additional requirements
$1250 per ton Central Heat Pump Refer to Heat Pump Qualified Products List at MassSave.com/HPQPL Oil or Propane Integrated Controls required unless central heating system is removed. Refer to Integrated Controls Qualified Products List at MassSave.com/ICQPL
Electric Resistance Heat 900 kWh difference between sum of 3 winter-usage and 3 lower-usage months
Up to $500 per indoor unit, max of $1,500 Integrated Controls Add-on to existing central heat pump Oil or Propane Refer to Integrated Controls Qualified Products List at MassSave.com/ICQPL

Heating System Replacement

Heating upgrades can dramatically lower your home's energy use while keeping you cozy through the winter months.

Required Documents Checklist

Required documentation to submit with your HEAT Loan Intake Form:

  • Signed contractor proposal that includes:
    • Manufacturer and complete model number of the heating equipment
    • AFUE and/or COP efficiency rating
    • Scope of work and pricing
  • A contractor proposal with scope of work and pricing for asbestos removal, if applicable.

Financing Details

  • 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.

Minimum Efficiency Standards

Rebate Heating euipment Minimum Standards
Natural gas equipment
$1,000 / $1,250 Hot air furnace with ECM AFUE ≥ 95% AFUE ≥ 97%
$950 Hot air furnace with ECM and on-demand DHW AFUE ≥ 97%
$2,00 / $2,750 Water boiler AFUE ≥ 90% AFUE ≥ 95%
$2,400 Combined condensing boiler with on-demand water hear AFUE ≥ 95%
N/A Steam Boiler AFUE ≥ 82%
Propane equipment
$1,000 Hot air furnace with ECM AFUE ≥ 95%
$1,500 / $2,300 Water boiler AFUE ≥ 90% AFUE ≥ 95%
$2,000 Combined condensing boiler with on-demand water heater AFUE ≥ 95%
N/A Steam boiler AFUE ≥ 82%
Oil equipment
$650 Hot air furnace with ECM AFUE ≥ 86%
$800 Water boiler AFUE ≥ 86%
N/A Steam boiler AFUE ≥ 84%
Ground Source Heat Pump
$2,000 per ton Ground source heat pump ENERGY STAR® certified
Oil or propane equipment
$1,250/ton Air to water heat pump A5W110 - COP 1.7*
ECM: Electronic Commutated Motor. AFUE: Annual Fuel Utilization Efficiency. COP: Coefficient of Performance.

*At an outdoor ambient temp 5°F, the unit must deliver 110°F supply water at a minimum COP of 1.7

Download PDF
 
If your home has a barrier preventing you from moving forward with insulation or heating upgrades, you may be able to finance the removal of that barrier along with your insulation work.

 

 

In addition, the Massachusetts Department of Energy Resources (DOER) provides 0% Loan Offers and Grand for:
High-Efficiency Wood Pellet Boilers
Expanded 2-4 Family Loan

Water Heaters (including solar)

Help offset water heating costs by upgrading to a more efficient water heater.

Required Documents Checklist

Required documentation to submit with your HEAT Loan Intake Form:

  • Signed contractor proposal that includes:
    • Manufacturer and complete model number of the hot water heater
    • Unified Energy Factor (UEF) efficiency rating
    • Scope of work and pricing
  • For solar water heaters, you must also submit:
    • 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.

Minimum Efficiency Standards

Rebate Water heating equipment Minimum Standards
Natural gas equipment
$400 Indirect water heater Connected to water boiler
$100 Storage water heater ≥ .64 UEF Medium Draw | ≥ .68 UEF High Draw
$700 On-demand tankless water heater UEF ≥ .87
$500 Condensing water heater UEF ≥ .80
Propane equipment
$400 Indirect water heater Connected to water boiler
N/A Freestanding water heater UEF ≥ .61
$800 On-demand tankless water heater UEF ≥ .87
Oil equipment
$400 Indirect water heater Connected to water boiler
N/A Freestanding water heater Unified energy factor (UEF) ≥ .61
Electric equipment
$150 Heat pump water heater UEF ≥ 2.7 > 55 gallons
$600 Heat pump water heater UEF ≥ 2.0 ≤ 55 gallons
Download PDF
 
If your home has a barrier preventing you from moving forward with insulation or heating upgrades, you may be able to finance the removal of that barrier along with your insulation work.

 

 

Insulation and Windows

Insulation and ENERGY STAR® certified windows can lower your energy costs, reduce drafts, and keep your home extra comfortable all year long.

Required Documents Checklist

Insulation

Required documentation to submit with your HEAT Loan Intake Form:

  • Please include the signed insulation and/or air sealing contract(s) provided by your Mass Save Energy Specialist.
  • Contractor proposal for any pre-weatherization barrier work as applicable.
  • Permit authorization form, enclosed cavity form, and/or lead safety form as applicable

ENERGY STAR® Certified Replacement Windows

Required documentation to submit with your HEAT Loan Intake Form:

  • Signed contractor proposal that includes:
    • 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.

Learn how it works

 

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).