Offered in partnership with Mass Save and regional energy utilities and providers, the program helps make energy-efficient home improvements more affordable and accessible.

Capital Good Fund participates in the Mass Save® Residential HEAT Loan Program to offer members 0% interest loans, ranging from $500 to $25,000, with terms up to 7 years.

Your loan, secured with Capital Good Fund, can cover a variety of upgrades, including: 

• Weatherization
• Pre-weatherization barriers
• Residential batteries enrolled in ConnectedSolutions
• Heat pump projects
• Heat pump water heaters
• ENERGY STAR® Certified Replacement Windows*

Designed to serve the needs of moderate-to-middle-income homeowners with less-than-perfect credit, the loan is paid back in monthly installments. If your project requires more than $25,000, check out our HomeGreen Loan.

 

HOW DO I GET STARTED?

Call Mass Save® at 866.527.7283 to begin the process. A Mass Save® representative will review the requirements of the program and let you know which improvements would be eligible for HEAT loan program financing, and give you all the paperwork you need. You may also receive a free home assessment at this link.

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WHAT DO I NEED TO APPLY FOR A MASS SAVE HEAT LOAN® WITH CAPITAL GOOD FUND?

You must:

• • Have a bank account

• • Reside in Massachusetts

• • Have an income

• • Be a homeowner and be current on your mortgage

 

We will need the following documents after you submit your application:

• • Two months’ bank account statements (3 months’ if you are applying for $2,000 or more)

• • Mass Save HEAT Loan Authorization Form from the program administrator 

• • Copy of government-issued ID

• • Voided check or prepaid card with ACH features

• • We may ask for additional documents after you apply

We take your privacy seriously. All data is transferred securely and we will never sell or share your information. For more info, refer to our Privacy Policy.

*Must be in conjunction with completed weatherization recommendations. Note: The maximum loan amount is over the lifetime of a customer’s energy efficiency upgrades. Eligible energy efficiency measures can be financed until the maximum loan amount is reached.