SMUD - Residential Energy Efficiency Loan Program

April 10, 2019


Sacramento Municipal Utility District offers financing to help residential customers finance energy efficient home improvements. Applicant for a loan must be the vested owner of the property where the product(s) are to be installed.

SMUD offers two separate loan programs: an Equipment Efficiency Loan and a Home Performance Loan.

Equipment Efficiency Loan

Presently, SMUD offers financing at an interest rate of 6.99% for secured loans or 10.75% for unsecured loans. Secured loans cover improvements related to HVAC, cool roofing, insulated siding, windows and renewable energy projects. Unsecured loans include building insulation, duct testing, duct sealing and other envelope improvements. To ensure these interest rates, call 1-916-732-5472.

A loan application fee of $100 will be charged for all loan amounts. SMUD will return this fee if they decline the application. SMUD will prepare loan documents for signature immediately upon approval of the financing. Upon SMUD's approval, the loan commitment is valid for 60 days. Within this 60-day period, the product(s) must be installed and SMUD notified of the installation's completion. To participate, installation must be performed by a SMUD approved participating contractor. Contractors in most cases must provide a two year warranty. Loans are not made to tenants renting or leasing the property. More information, including program conditions, installation information, and contact information can be found on the program website

Home Performance Loan

Installations must comply with SMUD's Home Performance Program specifications and eligiblity guidelines. Participating homes must receive a pre- and post-project energy assessment, and the improvements being financed must achieve at least a 15% electricity savings. More information can be found here.


Program Overview

Implementing Sector: Utility
Category: Financial Incentive
State: California
Incentive Type: Loan Program
Web Site:
Administrator: Sacramento Municipal Utility District
Start Date:
Eligible Renewable/Other Technologies:
  • Water Heaters
  • Heat pumps
  • Air conditioners
  • Duct/Air sealing
  • Building Insulation
  • Windows
  • Siding
  • Roofs
Maximum Loan: Secured Loan: $30,000
Unsecured Loan: $10,000
Loan Term: Between 3 years and 15 years, depending on type
Interest Rate: 6.99% - 10.75%


Name: Customer Services
Organization: Sacramento Municipal Utility District
Address: 6301 S Street
Sacramento CA 95817
Phone: (188) 874-2768

This information is sourced from DSIRE; the most comprehensive source of information on incentives and policies that support renewables and energy efficiency in the United States. Established in 1995, DSIRE is operated by the N.C. Clean Energy Technology Center at N.C. State University.