HomeWorks Green Loan Program

How it works

The City of Boston says the HomeWorks Green Loan Program provides financial assistance to income-eligible homeowners who have received a Mass Save Home Energy Assessment and plan to pursue renovations that further energy efficiency in their home. The program is designed to help homeowners reduce utility costs, improve comfort, resolve barriers to electrification, enhance or unlock Mass Save incentives, and make necessary health and safety repairs.

To start, a homeowner signs up for a Mass Save energy assessment and asks the energy auditor whether a HomeWorks Green loan is a good financing option. If eligible, the homeowner can access financing through the Boston Home Center and incentives from Mass Save. A referral from a Mass Save vendor is required, and Boston Home Center staff review the application and supporting documents to confirm program eligibility, including income and asset limits.

What the money covers

The page says the loan can cover the cost of eligible repairs, including green home repairs and energy upgrades. It also says the program can help pay for necessary health and safety repairs to the property. The page does not provide a detailed item-by-item list of covered work or a single public dollar cap.

Amounts and matching

The program provides interest-free loans. For homeowners with annual household income between 120% and 135% of Area Median Income, the City-funded loan must be matched 1:1 with the homeowner’s own funds or with a bank loan.

How to apply

First, schedule a Mass Save home energy assessment. During or after the assessment, ask the energy auditor if HomeWorks Green is a good option. If the homeowner is eligible, they receive a referral from a Mass Save vendor and apply through the Boston Home Center. City staff then review the program application and documents.

Timing and deadlines

The page shows no application deadline, closing date, or funding end date. It was last updated on 2026-06-29.