Holyoke Gas & Electric - Residential Energy Assistance Program
Administered by Customer Service
HG&E's Residential Energy Assistance Program (REAP) offers 0% interest financing for energy efficiency and electrification upgrades—including heat pumps, insulation, windows, solar, and EV charging—repayable over up to five years directly on your HG&E bill, with a one-time $100 processing fee. You can borrow up to $10,000 for single-family homes (or $15,000 if installing a qualifying heat pump), and you'll need a free home energy audit before applying for certain projects like insulation or windows. Funds are paid out 3–4 weeks after project completion, so contact efficiency@hged.com or 413-536-9382 to start the application process.
REAP enables your residential customers to finance qualifying energy efficiency and electrification work at 0% interest with repayment conveniently billed to their HG&E account. You must provide itemized quotes that include manufacturer and model numbers so HG&E can verify equipment meets project-specific efficiency standards; for gas work, also include the Btu/h input capacity of new and replaced systems. Ensure you hold all required licenses and permits, and allow at least 3–4 weeks for HG&E to disburse funds after project completion.
REAP is a 0% interest on-bill financing program administered by Holyoke Gas & Electric, with assistance capped at $10,000–$25,000 depending on property type and heat pump eligibility. The program funds heating/cooling, domestic hot water, weatherization, electrification, and EV equipment; applicants must have 6–12 months of on-time HG&E payment history (or provide a letter of credit), obtain a free energy audit for certain measures, submit a property deed, and provide contractor quotes meeting published efficiency standards. Processing takes 3–4 weeks post-completion, with a $100 one-time fee per approval.
Program details
- Program ID
- 1337
- Last updated
- 1/6/2026
Eligibility
- Sectors
- residential multifamily residential low income residential
- Technologies
- solar water heat solar photovoltaics water heaters furnaces boilers heat pumps air conditioners programmable thermostats duct/air sealing building insulation windows doors insulation lithium-ion level-2 electric vehicle service equipment
Program summary
HG&E’s Residential Energy Conservation Program (RECP) provides financial assistance at 0% interest for the implementation of qualifying energy efficiency and electrification projects. Financial assistance is repayable over a period of up to five years and repayment charges are conveniently placed on your HG&E monthly bill. Note: A one-time processing fee of $100 applies.
Please review the step-by-step application process as well as the project-specific requirements (both located on this webpage below) before you submit your application. If you have any questions, please contact efficiency@hged.com or 413-536-9382.
The program covers the following home improvements: central air conditioning, gas fired warm air furnaces, gas fired steam boilers, gas fired hot water boilers, electric hot water heaters, gas storage water heaters, gas fired instantaneous hot water heaters, gas conversion burners, indirect water heaters (attached to a gas fired boiler), attic insulation, wall insulation, floor insulation, basement insulation, heating and hot water piping insulation, rim joist insulation, replacement windows and doors, programmable and/or Wi-Fi thermostats, mini-split/ducted air-source heat pumps, solar photovoltaics, and solar hot water heaters. Homeowners installing insulation, replacement windows, replacement skylights, or an indirect water heater must have a free home energy audit performed before application submission. All equipment must meet certain energy efficiency standards that are listed on the application.
Contact & resources
- Contact email
- efficiency@hged.com
- Additional resources
Please verify current program details with the administering agency before making any financial decisions.
