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You are here: Home1 / Home Solutions2 / Smart-E Loans3 / Eligible Upgrades

smart-e loan:

eligible home improvements

smart-e loan:

eligible home improvements

A Smart-E Loan can be used for any of the following home improvements. Find a Contractor to start planning your project and ensure it meets the technical standards specified below. Your contractor can determine if any home improvements are eligible for incentives. After the installation process an inspector may be sent to ensure quality. 

Featured improvements

Heat Pumps Battery Storage Health & Safety

All improvements


  • Health and Safety

  • Home Performance and Efficiency

  • Heating and Cooling

  • Water Heating

  • Renewables

  • Other Related Energy Measures
Icon for Health & SafetyHealth & SafetyTechnical Standards
Asbestos abatement (including vermiculite)—
Model remediation—
icon for Home Performance/ EfficiencyHome Performance/ EfficiencyTechnical Standards
Air sealing—
Attic insulationCeiling starting R-Value must be ≤R19, upgrade to ≥R38
Duct sealing—
Energy efficient zone heating controlsPlease contact the Green Bank for technical standards
Energy efficient lighting systemsMust be LED lighting
Floor insulationFloor between conditioned and unconditioned space (e.g., basement, garage); starting R-value must be ≤R6, upgrade to ≥R19
Wall insulationWall starting R-value must be ≤R4, upgrade to ≥R13; no below-grade walls or interior walls
Windows replacementENERGY STAR, double pane, U-factor ≤0.27; not for unconditioned spaces
icon for Heating and CoolingHeating and CoolingTechnical Standards
Air source heat pump≥16 SEER, ≥9.5 HSPF, and 60% Heating Capacity Ratio, AHRI Certified
Biomass (furnace or boiler)ASME Certified, 85% AFUE, fully automated
Central air conditioningSplit system: ENERGY STAR, 16 SEER, 12.5 EER
Ductless mini-split heat pumpSingle zone: ≥18 SEER, ≥10 HSPF, 58% Heating Capacity Ratio, AHRI Certified

Multi-indoor units: ≥16 SEER, 9.5 HSPF, 58% Heating Capacity Ratio, AHRI Certified

ECM boiler circulator pump Installed on any fuel boiler
Ground source heat pumpGLHP closed loop water to air 17.1 EER, 3.6 COP

DX direct expansion refrigerant 16.0 EER, 3.6 COP

Water to aater 16.1 EER, 3.1 COP

Hot water boiler – natural gasENERGY STAR, 90% AFUE with temperature reset or purge control
Hot water boiler – oilENERGY STAR, 87% AFUE with temperature reset or purge control
Hot water boiler – propaneENERGY STAR, 90% AFUE with temperature reset or purge control
Natural gas conversion – burner —
Natural gas conversion – CIACContributions in aid of construction
Steam boilers – all fuels82% AFUE
Warm air furnace – natural gasENERGY STAR, AHRI rated 90%–94% AFUE, performance EAE of 2% or lower
Warm air furnace – natural gas – high efficiencyENERGY STAR, AHRI rated 95% AFUE, performance EAE of 2% or lower
Warm air furnace – propaneENERGY STAR, AHRI rated 95% AFUE, performance EAE of 2% or lower
Warm air furnace – oilENERGY STAR, AHRI rated 85% AFUE
Weather responsive controls – natural gas—
Weather responsive controls – oil—
Weather responsive controls – propane—
icon for Water HeatingWater HeatingTechnical Standards
Heat pump water heaterENERGY STAR, Energy Factor ≥3.0
Indirect water heater – natural gasAttached to ENERGY STAR boiler of ≥90% AFUE
Natural gas storage or condensing water heaterENERGY STAR, Thermal Efficiency ≥0.95
On-demand tankless water heater –
natural gas
ENERGY STAR, Energy Factor ≥0.94 with electronic ignition
On-demand tankless water heater – propaneENERGY STAR, Energy Factor ≥0.82
icon for RenewablesRenewablesTechnical Standards
Electric vehicle recharging stationLevel 1 or Level 2, commercially available charging station
Micro CHPPlease contact the Green Bank for technical standards
Micro fuel cellPlease contact the Green Bank for technical standards
Natural gas vehicle refueling stationPlease contact the Green Bank for technical standards
Smart metersPlease contact the Green Bank for technical standards
Solar hot water heaterPlease contact the Green Bank for technical standards
Solar photovoltaic battery back-upPlease contact the Green Bank for technical standards
Solar photovoltaic islanding invertersPlease contact the Green Bank for technical standards
Solar photovoltaic systemPlease contact the Green Bank for technical standards
icon for Other Related Energy MeasuresOther Related Energy MeasuresTechnical Standards
Electric service upgradePlease contact the Green Bank for questions about eligibility
ENERGY STAR appliancesPlease contact the Green Bank for questions about eligibility
Lead abatementPlease contact the Green Bank for questions about eligibility
Knob and tube removalPlease contact the Green Bank for questions about eligibility
Roof repair (must be done in conjunction with a solar or attic or wall insulation project)Please contact the Green Bank for questions about eligibility
Structural remediation Please contact the Green Bank for questions about eligibility
Tree removal (must be done in conjunction with a solar project)Please contact the Green Bank for questions about eligibility
Unlisted but relevant to improving the energy performance of a homePlease contact the Green Bank for questions about eligibility

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75 Charter Oak Avenue
Suite 1-103
Hartford, CT 06106

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700 Canal Street
5th Floor
Stamford, CT 06902

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