MassSAVE - HEAT Loan Program (Massachusetts)

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Last modified on February 12, 2015.

Financial Incentive Program

Place Massachusetts

Name MassSAVE - HEAT Loan Program
Incentive Type Utility Loan Program
Applicable Sector Residential
Eligible Technologies Boilers, Building Insulation, Duct/Air sealing, Furnaces, Heat pumps, Programmable Thermostats, Water Heaters, Windows, Solar Water Heat, Tankless Water Heaters
Active Incentive Yes

Implementing Sector Utility
Energy Category Energy Efficiency Incentive Programs, Renewable Energy Incentive Programs
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

Program Administrator MassSAVE
Date added to DSIRE 2006-09-01
Last DSIRE Review 2012-09-19
Last Substantive Modification
to Summary by DSIRE

References DSIRE[1]


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. 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.

Incentive Contact

Contact Name HEAT Loan Program
Department MassSAVE

Place Boston, Massachusetts

Phone (866) 527-7283


  • Incentive and policy data are reviewed and approved by the N.C. Solar Center's DSIRE project staff.[1]


  1. 1.0 1.1  "Database of State Incentives for Renewables and Efficiency (DSIRE)"