All of Delaware · Loan
Home Energy-Efficiency Loan (Energize Delaware)
Run by Energize Delaware (Delaware Sustainable Energy Utility)
Unsecured loan of $1,000 to $50,000 at a 5.99% fixed rate for up to 10 years, for efficiency upgrades done through Home Performance with ENERGY STAR. No fees, no lien; Energize Delaware pays the contractor.
Amounts
How much you get
Loans of $1,000 to $50,000 at a 5.99% fixed interest rate, up to 10 years, with no upfront costs, fees or prepayment penalties and no home equity or lien.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Delaware.
You must be participating in Home Performance with ENERGY STAR and have a rebate reservation number.
What to doGet a Home Performance with ENERGY STAR assessment and contractor proposal first.
Registered owner living in the home.
Separately metered 1- to 4-unit home (detached, duplex, condo or townhouse); not new construction or commercial.
Credit score and debt-to-income ratio are reviewed. No minimum income.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Schedule an energy audit.
Home Performance with ENERGY STAR (Energize Delaware) (under Use it with) starts with this kind of home energy audit; ask the program which one to book.
- Get recommendations and rebates from your HPwES contractor.
- Apply for financing online or call 866-648-1857.
Upload the audit and the contractor's estimate.
- Energize Delaware pays your contractor directly.
- Repay in monthly payments.
Energy audit
Contractor estimate or proposal
Questions about applying866-648-1857
Stacking
Use it with
You can get these too.
All of Delaware
Home Performance with ENERGY STAR (Energize Delaware)
Amount varies
Whole-house energy assessment ($50) plus rebates for air sealing, insulation, duct sealing, heat pumps, furnaces, boilers and water heaters done by a participating BPI-certified contractor, with higher rebates for income-qualified homes. A limited-time bonus raised the incentive bonus from 20% to 25%.
Checked Oct 25, 2026
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 Home Energy-Efficiency Loan (Energize Delaware) pay?
Up to $50,000 loan.
Do renters qualify?
Registered owner living in the home.
Can I combine it with other rebates?
Yes, with Home Performance with ENERGY STAR (Energize Delaware). See Use it with.
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.
Nearby
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Checked Oct 25, 2026
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Weatherization Assistance Program (WAP)
Work done at no cost
Free home energy assessment and weatherization (air sealing, insulation, duct sealing, pipe and water heater insulation) for income-eligible Delaware homeowners and renters.
Checked Oct 25, 2026
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Efficiency Smart Home Energy Rebates (Delaware municipal utilities)
Up to $750 back
Rebates for customers of Delaware's municipal electric utilities (Dover, Newark, Lewes, Middletown, Milford, New Castle, Seaford, Smyrna, Clayton): $300 heat pump water heaters, up to $750 cold-climate heat pumps, $100 smart thermostats, and ENERGY STAR appliances.
Checked Oct 25, 2026