California Home Energy Upgrades & Financing

GoGreen Home Energy Financing is a State of California-administered program designed to help eligible California homeowners and renters finance energy-efficiency and home-energy improvements. The program works with participating lenders to offer financing with features such as below-market interest rates, extended repayment terms, no property lien, and financing for qualifying upgrades.

A wide range of qualifying improvements may be financed, including:

• Heat pumps and energy-efficient HVAC
• Insulation and air sealing
• Energy-efficient windows
• Cool roofs
• Heat pump water heaters
• Solar + battery storage
• Battery storage for existing solar
• EV charging
• Related required improvements, such as certain electrical-panel upgrades

Project eligibility depends on current program requirements and your specific project.

The amount depends on the participating lender. As of the current GoGreen Home lender information, several statewide lenders advertise loans up to $75,000, with minimum loan amounts varying by lender.

Because loan limits and lending terms can change, homeowners should confirm the current amount directly with the participating lender.

Yes. GoGreen Home states that homeowners may use up to 30% of the loan amount toward non-energy improvements, subject to program requirements.

That can make the program useful when an energy upgrade is part of a larger renovation. A qualifying HVAC, insulation, window, roofing, solar/battery or electrical project may potentially be combined with certain additional home improvements.

No. GoGreen Home states that borrowers with a wide range of credit scores may qualify. Current participating-lender information includes some financing options with FICO requirements starting as low as 580.

Approval is not guaranteed. Your lender determines eligibility based on its underwriting requirements.

GoGreen Home financing is advertised as requiring no collateral, and the program's homeowner materials state that there is no property lien.

This is an important difference homeowners may want to consider when comparing GoGreen Home with other home-improvement financing products.

Your actual APR depends on the participating lender, loan term, credit qualifications and other underwriting factors.

Current GoGreen Home lender information shows multiple participating lenders with different APR ranges and terms, including some loan terms extending as long as 20 years. Rates can change, so homeowners should obtain the current rate directly from the lender before making a decision.

It may be available to certain eligible households. GoGreen Home currently has a special promotion for qualifying lower-income residents in designated under-resourced California communities installing a heat pump HVAC system or heat pump water heater.

Under that promotion, qualifying loans with terms up to 10 years may receive 0% financing, while qualifying terms from 10–15 years may receive 2% financing, with a maximum eligible project amount of $30,000. Income, location, project and lender requirements apply.

Your contractor can help you identify the project, determine the construction scope and prepare an estimate, but the participating lender handles the financing application and approval.

The financing agreement is between the homeowner and the lender. Your utility company does not make the lending decision.

Start by deciding what you would like to improve—such as HVAC, windows, insulation, roofing, EV charging, electrical upgrades, solar or battery storage.

California Contractors can review your project and prepare a construction estimate. From there, you can determine which improvements may qualify for GoGreen Home Energy Financing and explore financing with a participating lender.