Energy Conservation Loans finance energy-efficiency improvements for low- and moderate-income homeowners. This program is funded by the State of Connecticut Department of Housing (DOH) and is administered by C4C. These loans finance improvements up to $35,000 at an interest rate between 0% - 3%, depending on household income.

Credit exceptions and deferred payment options may be available to income-eligible applicants who do not meet the standard eligibility criteria, but have an emergency situation requiring immediate repair.

Eligibility

• Applicants must own and occupy a single or 2-4 family home (includes condos and mobile homes) in the State of Connecticut.

• Household income must be within program limit See Limits Here

• Credit history must demonstrate ability to repay loan as agreed

• Taxes and insurance for the property must be current

• Projects that are underway or completed will not qualify for financing

• All work must be completed by a C4C Participating Contractor See List Here

Loan Terms

• $500 to $35,000 loan amount

• 0% - 3% interest rate

• 10-year maximum repayment term

• No prepayment penalty

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Eligible Improvements
(minimum efficiency standards must be met)
All work must be completed by a C4C Participating Contractor
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• Insulation 

• Air/Duct Sealing

• Windows and Doors

• Boilers and Furnaces

• Central Air Conditioning

• Heat Pumps

• Water Heaters

• Secondary Heating Systems

• ENERGY STAR® Appliances

• Solar

• Battery Storage

• Geothermal 

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*  Related work may be included if required to install an eligible improvement, such as hazardous material abatement or electrical and plumbing upgrades.

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