All of California · Loan
GoGreen Home Energy Financing (CAEATFA)
Run by California Alternative Energy and Advanced Transportation Financing Authority (CAEATFA)
GoGreen Home connects California homeowners and renters with credit unions offering lower-rate, lien-free loans for heat pumps, solar plus storage and other energy upgrades. In Priority Populations areas, borrowers with income up to $150,000 can get 0% APR for up to 10 years on heat pump projects up to $30,000.
Amounts
How much you get
Loans through participating lenders, typically from $200 to $50,000 (up to $75,000 for bundled solar and battery storage with some lenders), for terms up to 15 years (20 years for solar plus storage with some lenders). Rates vary by lender and are capped at the 10-year Treasury rate plus 7.5%. Heat pump promotion: 0% APR for terms up to 10 years or 2% APR for 10 to 15 years, on projects up to $30,000, for borrowers with income up to $150,000 in Priority Populations areas. Up to 30% of the loan can go to non-energy improvements.
Eligibility
Do I qualify?
You need to meet all 5 of these.
The property must get electricity and/or natural gas from PG&E, SDG&E, SCE, SoCalGas or City of Palo Alto Utilities; customers of other publicly owned electric utilities may finance most measures. Customers whose only utility is PacifiCorp or Liberty Utilities aren't eligible.
Single-family home, townhome, condo, duplex, triplex, fourplex, or manufactured or mobile home on a site-built foundation.
Property owners and tenants can apply; tenants need the owner's written permission.
What to doRenters: get written permission from the property owner.
0% heat pump promotion only: borrower income no more than $150,000 a year, and the address must be in a solid or hatched zone on the California Climate Investments Priority Populations map. Standard GoGreen loans have no income limit stated.
0% heat pump promotion: use a participating GoGreen heat pump water heater or heat pump HVAC contractor.
What to doPick a contractor from GoGreen's Find a Contractor list. Get a quote from a contractor
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Plan the project.
Check that the upgrades are on GoGreen's eligible measures list.
- Get an estimate.
Get a quote from a contractor (participating GoGreen contractor required for the 0% heat pump offer).
- Apply with a lender.
Compare participating credit unions on the Finance Options page and apply through the lender's normal process. For the 0% heat pump offer, apply to California Coast Credit Union (statewide) or USC Credit Union (Los Angeles and Orange counties); the lender confirms income before assigning the promotional rate.
- Install and close out.
The contractor installs the measures; the program reviews project paperwork and may field-verify some projects.
Forms and instructionsGoGreen Financing: 0% Financing for Heat Pumps · GoGreen Home: Explore financing options (lenders) · GoGreen Financing: Frequently asked questions · CEC: EBD Statewide Incentive Program (GoGreen Home)
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does GoGreen Home Energy Financing (CAEATFA) pay?
Up to $150,000 of work at no cost.
Does it matter where I live?
Yes. It’s only for homes in California. See Do I qualify for the details.
Is there an income limit?
0% heat pump promotion only: borrower income no more than $150,000 a year, and the address must be in a solid or hatched zone on the California Climate Investments Priority Populations map. Standard GoGreen loans have no income limit stated.
Do renters qualify?
Property owners and tenants can apply; tenants need the owner's written permission. Renters: get written permission from the property owner.
Do I have to use a contractor?
Yes. 0% heat pump promotion: use a participating GoGreen heat pump water heater or heat pump HVAC contractor.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Does a GoGreen loan put a lien on my home?
No. GoGreen Home loans have no property lien.
Can I use the loan for non-energy improvements?
Yes. Up to 30% of the financing can go to other improvements.
Is there a maximum interest rate?
Yes. GoGreen Home rates are capped at the rate on new 10-year Treasury bonds plus 7.5 percentage points.
Do I need a safety test if my project includes air sealing?
Sometimes. Combustion appliance safety testing is required when the project includes whole-building air sealing or duct sealing and an atmospherically vented combustion appliance is inside the sealed envelope.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- GoGreen Home Energy Financing
- GoGreen Financing: 0% Financing for Heat Pumps
- GoGreen Home: Explore financing options (lenders)
- GoGreen Financing: Frequently asked questions
- CEC: EBD Statewide Incentive Program (GoGreen Home)
When one of these pages changes, we re-check this page against it.
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