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Save 40% on your Energy Costs
You can save up to 40% on energy costs by improving your home’s insulation, heating and cooling system, using an Accredited Home Performance Contractor.
Related Links
Income Guidelines
Getting Started with Energy Star
Forms and Applications

Home Performance with ENERGY STAR® Financing Options

OPTION 1

ENERGY STAR® Financing
Low-interest, unsecured loan, for 1-to-2-family, owner occupied homes.

• Up to $20,000 loan limit
• 3, 5, 7, or 10-year term
• 24-hour approval
• Ask your contractor for current rate
• Work must be performed through the Home Performance with ENERGY STAR program

OPTION 2

New York Energy $martSM Loan Fund
Low-interest loans offered through local, participating lenders

• Current interest rates are bought down by 4%
• Maximum loan term of 10 years
• Any 1-to-4-family home is eligible
• Work must be performed through the Home Performance with ENERGY STAR program

OPTION 3

Assisted Home Performance with ENERGY STAR® Work Scope Incentive
Available to income-qualified homeowners, as part of the Home Performance with ENERGY STAR® commitment to making energy efficiency affordable to all New Yorkers. View the invome guidleines.

• Can be combined with option 1 or 2
• $5,000 (maximum) available for single-family homes
• $10,000 (maximum) available for 2-to-4-family homes
• Work Scope Incentive is paid directly to the contractor
• Work must be performed through the Home Performance with ENERGY STAR program

OPTION 4

Homeowner Financing Incentive
Available to homeowners who choose not to use program financing options 1, 2, or 3.
• Homeowner receives a cash incentive of up to 10% of the work scope (eligible measures only)
• Incentive paid directly to homeowner by the New York State Energy Research and Development Authority (NYSERDA)
• Any 1-to-4-family home is eligible
• Work must be performed through the Home Performance with ENERGY STAR program