Mass Save - HEAT Loan Program
Administered by: MassSAVE
Quick Summary
The Mass Save HEAT Loan offers 0% interest financing up to $25,000 for qualifying energy-efficiency upgrades like insulation, heat pumps, heat pump water heaters, windows, and weatherization if you own and live in your one- to four-family home and are a customer of participating utilities (Cape Light Compact, National Grid, Eversource, Unitil, Berkshire Gas, Liberty Utilities, or municipal electric with gas heat). Start by scheduling a free Home Energy Assessment by calling (866) 527-7283 to identify eligible improvements, then work with a participating contractor, apply online, and receive financing from a participating lender to complete your project.
AI-generated summary • Updated 7/12/2026
Program Details
- Program ID
- 2107
- Last Updated
- 1/6/2026
Eligibility
Program Summary
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 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 $50,000 (depending on utility) with terms of up to seven years. Energy efficiency improvements eligible for the HEAT Loan include: Insulation and air sealing High-efficiency heating systemsCentral air conditioning/air-source heat pumpsDuctless 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.
Contact & Resources
Please verify current program details with the administering agency before making any financial decisions.