SMUD - Residential Energy Efficiency Loan Program (California)

From Open Energy Information


Last modified on February 12, 2015.

Financial Incentive Program

Place California

Name SMUD - Residential Energy Efficiency Loan Program
Incentive Type Utility Loan Program
Applicable Sector Residential
Eligible Technologies Building Insulation, Central Air conditioners, Duct/Air sealing, Heat pumps, Roofs, Siding, Water Heaters, Windows
Active Incentive Yes
Implementing Sector Utility
Energy Category Energy Efficiency Incentive Programs
Amount Secured: $30,000

Unsecured: $5,000

Maximum Incentive Secured Equipment Efficiency Loan: $30,000

Unsecured Equipment Efficiency Loan: $5,000
Home Performance Loan: $20,000

Terms Secured Loan Rate: 6.99%

Secured Loan Repayment: 120 months
Unsecured Loan Rate: 10.75%
Unsecured Loan Repayment: 36 months
Home Performance Loan Program Rate: 5.50%
Home Performance Loan Program Repayment: 120 month maximum

Program Administrator Sacramento Municipal Utility District

References DSIRE[1]


Sacramento Municipal Utility District offers financing to help residential customers finance energy efficient home improvements. Applicant for a loan must be the vested owner of the property where the product(s) are to be installed.

SMUD offers two separate loan programs: an Equipment Efficiency Loan and a Home Performance Loan.

Equipment Efficiency Loan

Presently, SMUD offers financing at an interest rate of 6.99% for secured loans or 10.75% for unsecured loans. Secured loans cover improvements related to HVAC, cool roofing, insulated siding, windows and renewable energy projects. Unsecured loans include building insulation, duct testing, duct sealing and other envelope improvements. To ensure these interest rates, call 1-916-732-5472.

A loan application fee of $200 will be charged for all loan amounts. SMUD will return this fee if they decline the application. SMUD will prepare loan documents for signature immediately upon approval of the financing. Upon SMUD's approval, the loan commitment is valid for 60 days. Within this 60-day period, the product(s) must be installed and SMUD notified of the installation's completion. To participate, installation must be performed by a SMUD approved participating contractor. Contractors in most cases must provide a two year warranty. Loans are not made to tenants renting or leasing the property. More information, including program conditions, installation information, and contact information can be found on the program website

Home Performance Loan

Installations must comply with SMUD's Home Performance Program specifications and eligiblity guidelines. Participating homes must receive a pre- and post-project energy assessment, and the improvements being financed must achieve at least a 15% electricity savings. More information can be found here.

Incentive Contact

Contact Name Residential Equipment Efficiency Programs
Department Sacramento Municipal Utility District
Address 6201 S Street
Address 2 PO Box 15830
Place Sacramento, California
Zip/Postal Code 95852-1830
Phone (888) 742-7683


  • 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)"