Montana Coal Endowment Loan Program

Montana Department of Commerce

Available Energy Assistance

About This Program

Montana Coal Endowment Loan Program is available to homeowners in Helena, MT.

Low-interest loan program through Montana banks and credit unions for residential energy conservation improvements. Loans available for solar, insulation, windows, HVAC upgrades, and other energy efficiency measures. Interest rates typically 3-4% below market rate.

Low-interest loan with rates 3-4% below market, term up to 10 years

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

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

Key Details

  • Low-interest loans up to $35,000
  • For energy efficiency and renewable energy
  • Rates 3-4% below market
  • Up to 10-year repayment term
  • Available through Montana lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(406) 841-2770

A grant-savvy contractor in Helena, MT 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 Helena 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.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • 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: Applications accepted 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 Montana Coal Endowment Loan Program provide in Helena, MT?

Up to $35,000 low-interest loan.

Who qualifies for Montana Coal Endowment Loan Program in Helena?

Montana Coal Endowment Loan Program is open to homeowners in Helena, MT.

How do I apply for Montana Coal Endowment Loan Program in Helena, MT?

Apply directly with Montana Department of Commerce using the official program link on this page or call (406) 841-2770. 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 Helena, MT contractors

Find More Programs in Helena, MT

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

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