Energy Efficient Home Improvements Loan Program (Kentucky)

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Last modified on February 12, 2015.

Financial Incentive Program

Place Kentucky

Name Energy Efficient Home Improvements Loan Program
Incentive Type State Loan Program
Applicable Sector Residential
Eligible Technologies Boilers, Building Insulation, Caulking/Weather-stripping, Central Air conditioners, Custom/Others pending approval, Duct/Air sealing, Furnaces, Heat pumps, Water Heaters, Geothermal Heat Pumps, Whole-house test, Tankless Water Heaters, Heat Pump Water Heaters
Active Incentive Yes
Implementing Sector State/Territory
Energy Category Energy Efficiency Incentive Programs, Renewable Energy Incentive Programs
Amount 100% of costs up to $20,000

Maximum Incentive Loans: Up to $20,000 for 100% of cost as long as 85% of work is for qualifying home improvements

Homeowner Energy Efficient Rebates (in lieu of loans): 20% of qualifying improvements up to $2,000

Terms 6.99% interest for up to 10 years

3.99% for the first 100 customers

Program Administrator AFC First Financial

References DSIRE[1]


Note: This program is currently unavailable. Check the program web site for more information regarding future funding. Kentucky offers ENERGY STAR Home Performance rebates and loans for residential energy efficiency improvements meant to meet the need for incentives and financing to middle or upper income residents not served by the Weatherization Assistance Programs. The program gives rebates for certified contractors to evaluate homes and allow owners to decide which improvements should be made. Homeowners can also receive rebates instead of loans.

First, participants fill out the free online self assessment, then apply for the onsite test. Minimum standards for participants' homes include air sealing, carbon monoxide detectors, and insulation (ceiling to R-38 if currently below R-19; floor to R-19 if below R-11). Other qualifying improvements like HVAC and gas heating equipment can be added to these envelope improvements, and unspecified improvements like electrical and indoor air quality improvements can be included if approved by program contractors. The whole-house tests and free evaluation must be performed by a participating KY Home Performance BPI-certified (Building Performance Institute) Building Analyst. All equipment must be ENERGY STAR listed.

For homeowners that do not have the up-front funds for improvements, below-market 6.99% loans are available for up to ten years and $20,000. The first 100 customers will receive an interest rate of 3.99%. 100% of the work can be financed as long as 85% of work is for qualifying home improvements. The unsecured loans (minimum credits score of 640) are offered in lieu of rebates to single family dwelling participating in the KY Home Performance program. Loan recipients are also eligible to receive a $150 rebate for whole-house testing.

Incentive Contact

Contact Name KY Home Performance with ENERGY STAR

Phone (877) 741-4306

Contact Name Jennifer Cohen
Department AFC First

Phone (610) 973-2697

Contact Name Ken Yeager
Department AFC First

Phone (410) 641-5170


  • Incentive and policy data are reviewed and approved by the N.C. Solar Center's DSIRE project staff.[1]


  1. 1.0 1.1  "Database of State Incentives for Renewables and Efficiency (DSIRE)"