All of Vermont · Loan
Efficiency Vermont Home Energy Loan
Run by Efficiency Vermont
Vermont homeowners can finance 100% of a heat pump, pellet heating, heat pump water heater, weatherization or ENERGY STAR appliance project, up to $25,000 for up to 15 years, through EastRise Credit Union or Cornerstone Housing Partners. Low- and moderate-income households pay 0% on terms up to 5 years.
Amounts
How much you get
Finance 100% of the project, with no minimum and a maximum loan of $25,000, for terms up to 15 years. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| Term up to 5 years (0%)Low income | N/A |
| Term up to 5 years (0%)Moderate income | N/A |
| Higher income (from 4.99%) | N/A |
Eligibility
Do I qualify?
You need to meet all 5 of these.
The home must be owned and occupied by the borrower, with property taxes paid and up to date, and not an asset in a pending bankruptcy, legal or divorce proceeding.
Vermont residential home with one to four housing units. Gut rehabilitation and new construction projects are not eligible.
Projects must be done by a current Efficiency Excellence Network contractor, except pellet and cord wood stoves and appliances. DIY work, direct-vent or wall-vented space heaters and oil or propane tank work aren't eligible.
What to doGet a scope of work and price quote from an Efficiency Excellence Network contractor (efficiencyvermont.com/pro). Efficiency Vermont Home Energy Loan Project Verification Form, effective July 1, 2026 (PDF) Get a quote from a contractor
Vermont Gas customers can finance only electric appliances, heat pump water heaters, and ducted, ductless and ground source heat pumps.
Lender credit and underwriting approval is required. Interest rate depends on household income (2026 low and moderate limits by county and household size) and term.
Equipment
What equipment counts
Applying
How to apply
The 2026 form is for 2026 loan applications; the loan offer is subject to available funding.
- Get a scope of work and price quote from an Efficiency Excellence Network contractor.
- Complete the Project Verification Form with your contractor.
Appliance-only applications don't need the contractor section; submit within 30 days of purchase and keep the receipts.
- Apply with a participating lender.
Send the scope of work, price quote and form to EastRise Credit Union (802-371-5146) or Cornerstone Housing Partners (802-438-2303), online or in person.
- Lender completes financing and pays for the project.
Can be processed in as little as two business days.
Contractor scope of work and price quote
Completed Project Verification Form
Documentation of household income, if requested
Forms and instructionsEfficiency Vermont Home Energy Loan Project Verification Form, effective July 1, 2026 (PDF)
Questions about applying888-921-5990
Stacking
Use it with
You can get these too.
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Ductless Heat Pump Discount
Up to $2,200
Vermont electric customers outside Burlington get $375-$475 off a qualifying ductless heat pump through a contractor buying at a participating distributor. Income-eligible homeowners can add a $200-$2,200 bonus rebate, depending on their utility.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Ducted Heat Pump Discount
Up to $2,200
Vermont electric customers outside Burlington get a $1,200-$2,200 instant discount on a qualifying centrally ducted heat pump bought by their contractor at a participating distributor. Income-eligible homeowners can add a $200-$2,200 bonus rebate, depending on their utility.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Air-to-Water Heat Pump Rebate
Up to $6,000 back
Vermont electric customers outside Burlington get $1,000 per ton (up to 6 tons) back on a qualifying air-to-water heat pump installed by an Efficiency Excellence Network contractor, plus a $500 bonus for income-eligible households.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Ground Source Heat Pump Rebate
Amount varies
Vermont electric customers outside Burlington get up to $2,100 per ton back on a new ground source (geothermal) heat pump system up to 10 tons, installed by an Efficiency Excellence Network contractor, plus a $500 bonus for income-eligible households.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Heat Pump Water Heater Rebate
Up to $1,000 back
Vermont electric customers outside Burlington get $600 off a qualifying heat pump water heater, as an instant discount through a participating distributor or a mail-in rebate. Income-eligible homeowners can get an extra $400.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Central Wood Pellet Furnaces & Boilers Rebate
$6,000 back
Get $6,000 back for a new high-efficiency wood pellet boiler or furnace installed as your primary central heating system by an Efficiency Excellence Network contractor. Not available to Burlington Electric or Vermont Gas customers.
Checked Oct 26, 2026
All of Vermont
Efficiency Vermont Wood and Pellet Stove Discount
$400
Get $400 off a new high-efficiency wood or pellet stove at a participating Vermont retailer, applied at the time of purchase. The stove must be professionally installed.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Home Performance with ENERGY STAR
Up to $7,000 back
Vermont homeowners who hire an Efficiency Excellence Network contractor for insulation and air sealing get 75% of project costs back, up to $3,000, or up to $7,000 for low- and moderate-income households in their primary residence. Pre-approval is required.
Checked Oct 26, 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 Efficiency Vermont Home Energy Loan pay?
Up to $25,000.
Does it matter where I live?
Yes. It’s only for homes in Vermont. See Do I qualify for the details.
Do renters qualify?
The home must be owned and occupied by the borrower, with property taxes paid and up to date, and not an asset in a pending bankruptcy, legal or divorce proceeding.
Do I have to use a contractor?
Yes. Projects must be done by a current Efficiency Excellence Network contractor, except pellet and cord wood stoves and appliances.
What’s the deadline?
No fixed deadline. Apply any time while it’s open.
Can I combine it with other rebates?
Yes, with Efficiency Vermont Ductless Heat Pump Discount, Efficiency Vermont Ducted Heat Pump Discount, Efficiency Vermont Air-to-Water Heat Pump Rebate, Efficiency Vermont Ground Source Heat Pump Rebate, Efficiency Vermont Heat Pump Water Heater Rebate, Efficiency Vermont Central Wood Pellet Furnaces & Boilers Rebate, Efficiency Vermont Wood and Pellet Stove Discount and Efficiency Vermont Home Performance with ENERGY STAR. See Use it with.
Is it still available?
Yes. It was open when we last checked, on October 26, 2026.
Does lender approval mean my Efficiency Vermont rebate is approved?
No. Lender approval for the Home Energy Loan is separate from rebate approval by Efficiency Vermont.
What costs can the loan cover?
Labor, installation, equipment, materials, taxes, shipping, permit or loan application fees, inspection charges, and health and safety repairs needed for the efficiency work (up to 50% of the loan).
Can I finance just an appliance?
Yes. ENERGY STAR appliances with a $300 minimum purchase price qualify, and the loan application can be submitted up to 30 days after purchase.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Efficiency Vermont - Home Energy Loan
- Efficiency Vermont Home Energy Loan Project Verification Form, effective July 1, 2026 (PDF)
When one of these pages changes, we re-check this page against it.
Nearby
More in Vermont
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Air Purifier Rebate
Up to $75 back
Get $50 back on an ENERGY STAR certified air purifier, or $75 on an ENERGY STAR Most Efficient model, installed in Vermont. For Vermont electric customers outside Burlington.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Appliances, Products, and Services for Income-Qualified Vermonters
Work done at no cost
Income-qualified Vermont renters and homeowners outside Burlington may get a free energy-efficient refrigerator, freezer, dehumidifier, air conditioner or clothes washer, free LED bulbs and water-saving devices, and an assessment of their home's electric use.
Checked Oct 26, 2026
Green Mountain Power and Vermont Electric Cooperative and Washington Electric Cooperative and Stowe Electric Department and Hardwick Electric Department and Village of Hyde Park and Village of Jacksonville and Village of Johnson Water & Light Department and Ludlow Electric Light Department and Lyndon Electric Department and Morrisville Water & Light and Barton Village Electric Department and Northfield Electric Department and Village of Orleans Electric Department and Swanton Village Electric Department and Village of Enosburg Falls Water & Light Department customers, Vermont
Efficiency Vermont Dehumidifier Rebate
Up to $90 back
Get $25-$90 back on a qualifying ENERGY STAR dehumidifier installed in Vermont, with the most for ENERGY STAR Most Efficient models that use low global-warming-potential refrigerant. For Vermont electric customers outside Burlington.
Checked Oct 26, 2026