CHFA SMART-E Loan for Energy Upgrades

Connecticut Housing Finance Authority / Connecticut Green Bank

Available Solar & Renewable

About This Program

CHFA SMART-E Loan for Energy Upgrades is available to homeowners in Stratford, CT.

Low-interest financing for residential energy improvements including solar, heat pumps, insulation, and more. Loans from $2,500 to $50,000 with competitive fixed rates and terms up to 15 years. On-bill repayment option available.

Loan amount and rate based on creditworthiness, typical projects $15,000-$30,000

Official source site checked live on 2026-06-22.

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

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

Key Details

  • Financing $2,500-$50,000
  • Competitive fixed rates
  • Terms up to 15 years
  • On-bill repayment option
  • Covers solar, heat pumps, insulation, more

How to Apply

Get free help applying Visit Official Program Page Track this program

(860) 257-0274

A grant-savvy contractor in Stratford, CT 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 Stratford early keeps your application moving.

Get matched with a contractor

This benefit is usually applied as an instant discount, so there is no out-of-pocket wait.

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: Year-round program

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 CHFA SMART-E Loan for Energy Upgrades provide in Stratford, CT?

Loan up to $50,000.

Who qualifies for CHFA SMART-E Loan for Energy Upgrades in Stratford?

CHFA SMART-E Loan for Energy Upgrades is open to homeowners in Stratford, CT. It has no income limit.

How do I apply for CHFA SMART-E Loan for Energy Upgrades in Stratford, CT?

Apply directly with Connecticut Housing Finance Authority / Connecticut Green Bank using the official program link on this page or call (860) 257-0274. 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 Stratford, CT contractors

Find More Programs in Stratford, CT

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

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