Energy Conservation Loan

July 27, 2020


Energy Efficiency Loans are available through the Capital for Change, Inc. to owners of one- to four-family homes . Some programs have established income limits and location requirements. Interest rates vary in accordance with the borrower's family size and income, and the loan may be repaid over up to 12 years. For certain programs, single-family homes can receive a 0% interest rate if the family has below a 50% Median Income.

Applications for these programs are available from the program web site above. In addition to the application, the borrower must submit copies of the past two years' federal tax returns (with schedules) and a copy of a monthly mortgage statement (or a release of mortgage or deed).

Program Overview

Implementing Sector: State
Category: Financial Incentive
State: Connecticut
Incentive Type: Loan Program
Web Site:
Administrator: Connecticut Housing Investment Fund
Start Date:
Eligible Renewable/Other Technologies:
  • Solar - Passive
  • Solar Water Heat
  • Solar Space Heat
  • Solar Photovoltaics
  • Wind (All)
  • Biomass
  • Geothermal Heat Pumps
  • Water Heaters
  • Furnaces
  • Boilers
  • Heat pumps
  • Air conditioners
  • Programmable Thermostats
  • Caulking/Weather-stripping
  • Duct/Air sealing
  • Windows
  • Siding
  • Roofs
  • Other EE
  • Wind (Small)
Maximum Loan: Single family homes (1-4 family units): $25,000
Landlord Loan: $40,000
Loan Term: 0-7% depending on the program, income, family size, and location
Repayment term up to 12 years (subject to change)


Name: C.G.S. 16a-40b
Name: H.B. 6360
Date Enacted: 6/21/2013
Effective Date: 6/21/2013


Name: Kristen Caplin
Address: 121 Tremont Street
Hartford CT 06105
Phone: (860) 233-5165

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.