• 0% APR, no fees — you repay exactly what you borrow.
• Up to $25,000 financed.
• Terms of 3, 5, or 7 years, tiered by household income (lower-income households get the longest term).
• A free Mass Save Home Energy Assessment is required first for heat pumps, weatherization, and similar measures.
• Offered through Mass Save partner lenders and available to customers of the sponsoring MA utilities (including Eversource and National Grid, which serve our area).

• Air-source heat pumps (ducted and ductless mini-splits) for heating and cooling — see our heat pumps and mini-split pages.
• Heat-pump water heaters — a high-efficiency upgrade from a standard tank (water heater installation).
• Insulation, air sealing, and weatherization — often paired with a heat-pump install.
• Certain windows/doors when bundled with weatherization, and qualifying battery storage.

Note: conventional gas/oil boilers do not qualify, and only equipment on the current Mass Save qualified-product list is eligible (refrigerant rules changed for 2026), so equipment selection matters. We’ll help you choose a system that both fits your home and keeps your 0% eligibility intact.

• 1. Book your free Home Energy Assessment through Mass Save (we can point you in the right direction).
• 2. Choose your qualifying equipment with a participating contractor.
• 3. Apply through a Mass Save partner lender — approval typically takes just a few business days.
• 4. Install and submit documentation, and your 0% loan servicing begins.

Because the HEAT Loan is tied to specific equipment and an assessment, a little planning up front makes the whole thing smooth. Ask us how to sequence it so nothing gets missed.