Vermont Gas Systems customers, Vermont · Loan
Weatherization Repayment Assistance Program (WRAP) for VGS Customers
Run by Vermont Housing Finance Agency (VHFA), through Vermont Gas Systems
Moderate-income Vermont Gas customers (below 120% of area median income), owners or renters, can pay for weatherization and heat pumps through a monthly charge on their VGS bill spread over more than 15 years, for projects up to $20,000.
Amounts
How much you get
On-bill repayment, not a grant: project costs (up to $20,000) are repaid through a monthly charge on the VGS bill over more than 15 years. The charge stays with the meter if the property is sold. Can be combined with VGS weatherization rebates and the Green Mountain Credit Union loan.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Vermont Gas Systems customers, subject to a review of VGS bill payment history.
Household income below 120% of area median income.
Unattached single-family homes, or multifamily properties with up to four units on a single VGS meter.
Both homeowners and renters can participate.
Start with a VGS home energy evaluation; your energy auditor determines whether the proposed project is eligible for WRAP.
What to doRequest a home energy evaluation from VGS.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Request a home energy evaluation from VGS.
- An energy professional identifies improvements and checks whether the project qualifies for WRAP.
- Do the project, combining WRAP with VGS rebates and GMCU financing if you like.
- Repay through a monthly WRAP charge on your VGS bill.
Forms and instructionsVGS Weatherization Repayment Assistance Program (WRAP) · VGS Contact Us
Questions about applying(802) 951-0321 or efficiency@vermontgas.com
Stacking
Use it with
You can get these too.
Vermont Gas Systems customers, Vermont
VGS Home Weatherization Rebates
Up to $10,000 back
Vermont Gas customers who air seal and insulate with a BPI-certified contractor get 50% of project cost back (up to $4,000), 75% (up to $7,000) below 120% of area median income, or 90% (up to $9,500) below 80%.
Checked Oct 26, 2026
Vermont Gas Systems customers, Vermont
VGS Weatherization and Equipment Financing (Green Mountain Credit Union)
Up to $20,000
Vermont Gas customers can borrow up to $20,000 at 0% APR over 1-5 years for a weatherization project (5.99% if it also covers heat pumps or other upgrades), or up to $15,000 at 0% for efficient gas equipment, through Green Mountain Credit Union.
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 Weatherization Repayment Assistance Program (WRAP) for VGS Customers pay?
Up to $20,000 of work at no cost.
Do I need to be a Vermont Gas Systems customer?
Yes. It’s only for homes in Vermont Gas Systems customers, Vermont. See Do I qualify for the details.
Is there an income limit?
Household income below 120% of area median income.
Do renters qualify?
Both homeowners and renters can participate.
Do I need approval before I buy?
Start with a VGS home energy evaluation; your energy auditor determines whether the proposed project is eligible for WRAP. Request a home energy evaluation from VGS.
Can I combine it with other rebates?
Yes, with VGS Home Weatherization Rebates and VGS Weatherization and Equipment Financing (Green Mountain Credit Union). See Use it with.
Is it still available?
Yes. It was open when we last checked, on October 26, 2026.
What happens to the WRAP payments if I sell the house?
They stay with the property. Repayment is tied to the utility meter, not to you, so the obligation remains with the meter when the property is sold.
Can renters use WRAP?
Yes. Both homeowners and renters can participate.
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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Clover Energy by VGS Heat Pump Lease & Purchase
Work done at no cost
VGS's Clover Energy leases heat pump water heaters and centrally ducted heat pumps (for homes with a gas furnace) with no down payment and service included, and applies available state and Burlington Electric rebates to the price.
Checked Oct 26, 2026
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Efficiency Vermont Air-to-Water Heat Pump Rebate
Up to $6,000 back
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Checked Oct 26, 2026
All of Vermont
Efficiency Vermont DIY Weatherization Rebate
$100 back
Vermont homeowners and renters get $100 back on materials for a do-it-yourself weatherization project, such as air sealing the attic or basement, weatherizing doors and windows, or adding storm windows. One rebate per electric account per year.
Checked Oct 26, 2026