How much does Mass Save insulation, air sealing and the HEAT Loan pay?

Published amounts run from $75 to $7,000, depending on the upgrade and the conditions attached to it. Every amount and its conditions are listed on this page, each with the date it was last verified against the administrator's own page.

Where do you apply for Mass Save insulation, air sealing and the HEAT Loan?

Book an assessment: 866-527-7283; Insulation offers: https://www.masssave.com/en/residential/rebates-offers-services/insulation-and-windows/insulation-and-air-sealing; HEAT Loan steps (Cape Light Compact): https://www.capelightcompact.org/program/mass-save-heat-loan/.

Fix First Home › Massachusetts › Mass Save insulation, air sealing and the HEAT Loan

Mass Save insulation, air sealing and the HEAT Loan open

Administered by the Sponsors of Mass Save, through Home Performance Contractors, Direct Weatherization contractors and lead vendors.

Mass Save takes 75% to 100% off approved insulation and pays for air sealing after a no-cost home energy assessment, deducted on the insulation contract. Single-pane windows replaced with ENERGY STAR Most Efficient models earn $75 each, and the 0% HEAT Loan lends up to $25,000 for up to seven years.

source · verified 3 October 2026 · amounts in US dollars

What it pays

Insulation and air sealing incentives, deducted on the insulation contract (Cape Light Compact's 2026 table)
Customer	Insulation	Air sealing
Standard incentive	75%	100%
Year-round renter, electric account in the tenant's name	100%	100%
Income qualified	100%	100%

Windows and work needed before insulation
Upgrade	Condition	Up to
ENERGY STAR Most Efficient window replacing single pane	Per window; counted at an assessment first, and weatherization done	$75
Removing barriers such as knob-and-tube wiring, renter-occupied 2-4 units	With the landlord's approval (Cape Light Compact)	$5,000
Removing barriers, Enhanced Residential income band	Cape Light Compact	$7,000
Removing barriers, market rate	No incentive; can be financed with the HEAT Loan	—

HEAT Loan
Term	Detail
Interest	0%
Amount	Up to $25,000
Length	Up to 7 years, depending on income
Who	Owners of 1-4 family homes, after a Home Energy Assessment
Pays for	Heat pumps, heat pump water heaters, windows, batteries, insulation and the work to clear barriers

Who is eligible

homes: Homes of one to four units; buildings of five or more go through the multifamily program.
first step: A no-cost Home Energy Assessment, or, if you already know the job, a Direct Weatherization contractor without the assessment.
renters and landlords: Year-round renters with the electric account in their name get the full incentive at Cape Light Compact, and landlords of 1-4 unit buildings have their own offers.
equity communities: Mass Save shows 100% off weatherization for residents of designated communities.

Where the application goes

Book a no-cost Home Energy Assessment; the contractor deducts the incentive on the insulation contract. For the HEAT Loan, take the authorization form from the assessment to a participating lender before the work.

Where the application goes
If this is you	Apply here
Book an assessment	866-527-7283
Insulation offers	masssave.com
HEAT Loan steps (Cape Light Compact)	capelightcompact.org

The thing most pages get wrong

The HEAT Loan is no longer $50,000. A widely read guide still quotes up to $50,000 for a heat pump; Mass Save's own pages, Cape Light Compact and National Grid all give a maximum of $25,000, with terms of up to seven years depending on income.

Paid on the contract, not by mail

The insulation incentive comes off the insulation contract, and the HEAT Loan is paid as a two-party check to you and the contractor. Window rebates need the old windows counted at an assessment before you buy the new ones.

Weatherize before a whole-home heat pump

Finishing the recommended weatherization is required for window rebates, moderate-income heating rebates and the whole-home heat pump rebate, and it earns a $500 bonus on a partial-home heat pump.

Fossil-fuel equipment is out

Mass Save stopped paying for and financing gas, oil and propane equipment in 2024: residential systems had to be installed by 31 August 2024. Low-income households upgrading existing equipment are the exception.