Mass Save 0% HEAT Loan

Mass Save, Participating Massachusetts Banks and Credit Unions

Available Energy Assistance

About This Program

Mass Save 0% HEAT Loan is available to homeowners in Boston, MA.

The Mass Save HEAT Loan provides 0% interest financing up to $25,000 for qualifying energy efficiency upgrades including heat pumps, insulation, heat pump water heaters, and battery storage. Terms range from 12 to 84 months with no prepayment penalty. Available to customers of Eversource, National Grid, Berkshire Gas, Cape Light Compact, Liberty Utilities, or Unitil. A Mass Save home energy assessment must be completed before applying.

0% APR loan, $2,000-$25,000, 12-84 month terms. No income limit. Must be a utility customer and complete a home energy assessment first.

Verified against Mass Save, Participating Massachusetts Banks and Credit Unions's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

In Boston, MA, you can combine this program with other local help to cut your cost:

Key Details

  • 0% interest financing up to $25,000, no income limit
  • Terms from 12 to 84 months; no prepayment penalty
  • Covers heat pumps, insulation, heat pump water heaters, battery storage
  • Must be a Mass Save utility customer and complete a home energy assessment
  • Apply through participating lenders after assessment; call 866-527-7283

How to Apply

Get free help applying Visit Official Program Page Track this program

866-527-7283

A grant-savvy contractor in Boston, MA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Boston early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing, year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Mass Save 0% HEAT Loan provide in Boston, MA?

Up to $25,000 at 0% interest.

Who qualifies for Mass Save 0% HEAT Loan in Boston?

Mass Save 0% HEAT Loan is open to homeowners in Boston, MA. It has no income limit.

How do I apply for Mass Save 0% HEAT Loan in Boston, MA?

Apply directly with Mass Save, Participating Massachusetts Banks and Credit Unions using the official program link on this page or call 866-527-7283. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Boston, MA contractors

Find More Programs in Boston, MA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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