Energy Efficiency Loans

Energy Conservation Loan Program

0% interest rate available for high-efficiency boilers/furnaces (see eligible improvements for details)

Thank you for considering applying for the Energy Conservation Loan (ECL) program.  Please read further to see if you qualify and for the "how to apply" link.

The Energy Conservation Loan Program (ECL) provides financing at below market rates to single-family (1-4 units) residential property owners for the purchase and installation of cost-saving energy conservation improvements. The program is administered by the Connecticut Housing Investment Fund, Inc. (CHIF) with funding from the Connecticut Department of Housing (DOH). Applicants must be residents of the State of Connecticut. 

**If your property contains 5 or more housing units, please click here for the multi-family program**

Income Limit
This is an income-restricted program. Please click here for the current income limits by town and household size.

Loan Amount and Term
Single family (1-4 units) homeowners may borrow up to $25,000 for a period of 10 years for eligible improvements. 

Click here for an ECL Eligibility Fact Sheet (1-4 units)

Eligible Improvements

The following are some of the improvements eligible under the ECL program:

  • Replacement Heating Systems
    • 0% interest for furnaces/boilers that meet efficiency minimum of energy-star rating for natural gas or > 84% efficiency rating for oil/propane
  • Automatic Set-Back thermostats
  • Caulking and Weatherstripping
  • Insulation
  • Replacement Central Air Conditioning Systems
  • Replacement Hot Water Heaters
  • Secondary Heating Systems (non-electric)
  • Heat Pumps
  • Replacement Roofs
  • Replacement Windows and Doors
  • Siding
  • Solar Systems and Passive Solar Additions
  • Geothermal Systems

Participating Contractors

CHIF Participating Contractor List

Apply for a Loan

Click here to apply online for an ECL loan. 

To learn more, click on the Frequently Asked Questions (FAQ) below or E-mail your questions to

Single-Family Energy Conservation Loan Program FAQ