Mass Save - HEAT Loan Program

April 05, 2023


Residential customers of Cape Light Compact, National Grid, Eversource, Unitil, and municipal electric customers served by Columbia Gas of Massachusetts or Liberty Utilities may be eligible for zero-interest financing to help increase the energy efficiency of their homes homes through the Mass Save HEAT Loan Program. This financing is available to all residential customers who own and reside in a one to four family residence, obtain a Home Energy Assessment through the Mass Save Program, and install the recommended energy efficiency improvements.

The loans are available up to $25,000 (depending on utility) with terms up to seven years.  Energy efficiency improvements eligible for the HEAT Loan include:

  • Insulation and air sealing
  • High-efficiency heating systems
  • Central air conditioning/air-source heat pumps
  • Ductless mini split heat pumps
  • High-efficiency domestic hot water systems
  • Solar hot water systems
  • ENERGY STAR-certified windows

Customers must first complete a free Home Energy Assessment to find out which improvements will be eligible for HEAT loan program financing and to receive program paperwork. Customers may call Mass Save at (866) 527-7283 to schedule an assessment.

Program Overview

Implementing Sector: Utility
Category: Financial Incentive
State: Massachusetts
Incentive Type: Loan Program
Web Site:
Administrator: MassSAVE
Start Date:
Eligible Renewable/Other Technologies:
  • Solar Water Heat
  • Biomass
  • Geothermal Heat Pumps
  • Water Heaters
  • Furnaces
  • Boilers
  • Heat pumps
  • Duct/Air sealing
  • Building Insulation
  • Windows
  • Other EE
  • Tankless Water Heater
Maximum Loan: $25,000
Loan Term: Up to 7 years
Interest Rate: 0%


Name: Program Administrator
Phone: (844) 887-1400

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.