Where do you apply for GoGreen Home Energy Financing?

Energy upgrades or solar with batteries: https://www.gogreenfinancing.com/energy-efficiency-home-loans-california/finance-options/; The 0% heat pump offer: California Coast Credit Union (statewide) or USC Credit Union (Los Angeles and Orange counties).

Fix First Home › California › GoGreen Home Energy Financing

GoGreen Home Energy Financing open

Administered by the California Alternative Energy and Advanced Transportation Financing Authority (CAEATFA), in the State Treasurer's Office.

A loan, not a rebate: state-backed financing from ten credit unions for energy upgrades, up to $50,000 over 15 years, or $75,000 over 20 years with solar and batteries, with no property lien. Households in priority communities with incomes up to $150,000 can borrow up to $30,000 for a heat pump at 0%.

source · verified 24 September 2026 · amounts in US dollars

What it pays

No published cap — and that is the honest answer

Nothing is given to you. This is borrowing, repaid with interest, except for the heat pump offer below. The state backs the lenders with a loss reserve, which is why the rates and terms beat an ordinary unsecured loan.

What the participating lenders offered on 24 September 2026
Project	Up to	Term	APR range
Energy upgrades	$50,000	15 years	3.24% to 10.00%
Solar with battery storage	$75,000	20 years	3.58% to 10.24%
Heat pump, priority communities	$30,000	10 years at 0%, 15 years at 2%	0% or 2%

Each credit union sets its own rate within its range, by term and credit score, and some lend only in certain counties. Up to 30% of a loan can go to non-energy improvements.

Who is eligible

utility: Electricity or gas from PG&E, SDG&E, SCE, SoCalGas or City of Palo Alto Utilities. Customers of other publicly owned utilities, such as SMUD and LADWP, can finance most measures.
homes: Single-family homes, townhomes, condos, duplexes to fourplexes, and manufactured or mobile homes on a site-built foundation.
renters: Yes, with the owner's written permission. Solar with batteries is for owners only at some lenders.
lien: None.

The 0% heat pump offer needs all three

The address is in a colored zone on the California Climate Investments priority populations map.
The borrower's income is $150,000 a year or less.
A participating GoGreen contractor installs a heat pump water heater or heat pump heating and cooling.

Where the application goes

Straight to a lender. GoGreen itself does not lend.

Where the application goes
If this is you	Apply here
Energy upgrades or solar with batteries	gogreenfinancing.com
The 0% heat pump offer	California Coast Credit Union (statewide) or USC Credit Union (Los Angeles and Orange counties)

The thing most pages get wrong

"0% heat pump financing" is headlined, but it comes from only two of the ten lenders, only for heat pumps, only up to $30,000, and only at addresses in the state's priority communities. Everyone else pays the lender's rate, which on 24 September 2026 ran from 3.24% to 10.00% for the same upgrades, so the lender you pick matters more than the program.