All of Connecticut · Loan
Energy Conservation Loan (Emergency)
Run by Capital for Change, Inc. (for the Connecticut Department of Housing)
Below-market loans of $400 to $25,000 for low- and moderate-income owners of 1-4 unit homes, now limited to emergencies: a non-working heating system or a leaking roof. 0% for qualifying furnaces and boilers.
Amounts
How much you get
Loan of $400 to $25,000 over 10 years at below-market rates; 0% for qualifying furnaces and boilers.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Connecticut.
Income-restricted; Capital for Change publishes limits by town and household size.
Single-family (1-4 unit) homeowners.
Emergency only (non-working heat or leaking roof), and applicants must be ineligible for other programs; heating applicants must first apply for a Smart-E loan.
Work by a C4C Participating Contractor, who verifies the emergency.
What to doUse a Capital for Change participating contractor. Get a quote from a contractor
Equipment
What equipment counts
Applying
How to apply
You apply by phone.
- Heating: apply for a Smart-E loan first.
You're considered for the emergency loan only if not eligible for that.
- Roofing: call Capital for Change.
860-233-5165, extension 2002, Monday to Friday 9am-5pm.
Questions about applying860-233-5165
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 Energy Conservation Loan (Emergency) pay?
Work done at no cost. Loan of $400 to $25,000 over 10 years at below-market rates; 0% for qualifying furnaces and boilers.
Is there an income limit?
Income-restricted; Capital for Change publishes limits by town and household size.
Do renters qualify?
Single-family (1-4 unit) homeowners.
Do I have to use a contractor?
Yes. Work by a C4C Participating Contractor, who verifies the emergency.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
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