Columbia Water & Light - Home Performance with ENERGY STAR Loan

May 23, 2023


The Columbia Water & Light (CWL) Home Performance with ENERGY STAR program allows Columbia residents to finance energy efficiency improvements to homes with affordable, low-interest loans with terms up to 10 years. If a CWL customer has a good credit history and owns an eligible home, loans can be used to install insulation, heating and cooling systems, solar water heating and solar space heating systems, and other eligible efficiency technologies.

The program involves several steps. First, a CLW certified contractor conducts a Home Performance with ENERGY STAR assessment, which provides information to the homeowner on cost-effective ways to improve the home's energy efficiency. The homeowner then completes and submits a loan application. Improvements may be started once the loan is approved. Once projects are completed, CWL staff will conduct a post-inspection.

Program Overview

Implementing Sector: Utility
Category: Financial Incentive
State: Missouri
Incentive Type: Loan Program
Web Site:
Administrator: Columbia Water & Light
Start Date:
Eligible Renewable/Other Technologies:
  • Solar Water Heat
  • Solar Space Heat
  • Water Heaters
  • Furnaces
  • Heat pumps
  • Air conditioners
  • Duct/Air sealing
  • Windows
  • Comprehensive Measures/Whole Building
  • Other EE
Maximum Loan: Single Family Home: $15,000
Multi-family housing: $30,000
Loan Term: Up to 10 years
Requires cost-effective insulation levels and a detailed building assessment from a Certified Home Performance Contractor.
Interest Rate: Up to 3 years: 1%
4 to 5 years: 3%
6 to 10 years: 5%


Name: Utility Services
Organization: Columbia Water and Light
Columbia MO
Phone: (573) 441-5528

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.