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Incentives/Policies for Renewables & Efficiency

Printable Version
MassSAVE - HEAT Loan Program   

Last DSIRE Review: 09/18/2012
Program Overview:
State: Massachusetts
Incentive Type: Utility Loan Program
Eligible Efficiency Technologies: Water Heaters, Furnaces , Boilers, Heat pumps, Programmable Thermostats, Duct/Air sealing, Building Insulation, Windows, Tankless Water Heater, Heat Pump Water Heater
Eligible Renewable/Other Technologies: Solar Water Heat
Applicable Sectors: Residential
Amount:HEAT (Micro Loan): $500 - $2,000
Heat (1-4 Unit, Owner Occupied): $2,000 - $25,000
Heat (1-4 Unit, Non-owner Occupied): $5,000 - $25,000
Maximum Incentive:$25,000
Terms:HEAT (Micro Loan):
Rate: 0%
Repayment: Up to 2 years

HEAT (1-4 Unit, Owner Occupied):
Rate: 0%
Repayment: Up to 7 years

HEAT (1-4 Unit, Non-owner Occupied):
Rate: 0%
Repayment: Up to 7 years

Web Site:

Residential customers of Cape Light Compact, National Grid, NSTAR, Unitil and Western Massachusetts Electric Company 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 7 years. Micro Loans are also available with terms up to 2 years. Energy efficiency improvements eligible for the HEAT Loan include:

  • Attic, wall and basement insulation
  • High-efficiency heating systems
  • High-efficiency domestic hot water systems
  • Solar hot water systems
  • Energy Star windows
  • Energy Star thermostats

After all work financed with the HEAT Loan is complete, customers must notify their Mass Save vendor to schedule a verification inspection. More information, including a list of participating lenders, is available through Mass Save web site.

  HEAT Loan Program
Boston, MA
Phone: (866) 527-7283
Web Site:
NCSU - home
Disclaimer: The information presented on the DSIRE web site provides an unofficial overview of financial incentives and other policies. It does not constitute professional tax advice or other professional financial guidance, and it should not be used as the only source of information when making purchasing decisions, investment decisions or tax decisions, or when executing other binding agreements. Please refer to the individual contact provided below each summary to verify that a specific financial incentive or other policy applies to your project.

While the DSIRE staff strives to provide the best information possible, the DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. make no representations or warranties, either express or implied, concerning the accuracy, completeness, reliability or suitability of the information. The DSIRE staff, the N.C. Solar Center, N.C. State University and the Interstate Renewable Energy Council, Inc. disclaim all liability of any kind arising out of your use or misuse of the information contained or referenced on DSIRE Web pages.

Copyright 2014 - 2015 North Carolina State University, under NREL Subcontract No. XEU-0-99515-01. Permission granted only for personal or educational use, or for use by or on behalf of the U.S. government. North Carolina State University prohibits the unauthorized display, reproduction, sale, and/or distribution of all or portions of the content of the Database of State Incentives for Renewables and Efficiency (DSIRE) without prior, written consent.