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Mass Save Heat Loan

The HEAT Loan Program provides consumers the opportunity to apply for a 0% loan to assist with the installation of qualified energy efficient improvements in their homes. The loans are available up to $25,000 with terms up to 7 years.

To qualify for the loan, the customer must own a one-to-four-family residence, obtain a Mass Save Home Energy Assessment, and install qualified energy efficiency measures recommended by a Mass Save representative. Additional qualifications and restrictions may apply. Customers should visit the Mass Save website,, for program details and requirements.

Heat Loan Terms  – Maximum DTI ratio of 40%


Owner Occupied Residential 1-4 Units

Standard loan
– $2,001 to $ 5,000 – Maximum term of 48 Months
– $5,001 to $15,000 – Maximum term of 60 Months

Extended Loan
– $15,001 to $25,000 – Maximum term of 84 Months


Non Owner Occupied 1-4 Family Units

Standard Loan
– $5,000 to $15,000 – Maximum term of 60 Months
– $15,001 to $25,000 – Maximum term of 84 Months