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CAEATFA GoGreen Home Energy Financing

CAEATFA GoGreen Home Energy Financing

Phone number
(916) 651-8157
Category
Home
Auto tags
Eligibility
Any California homeowner or renter (single-family, townhome, condo, mobile home, or 1-4 unit building). Open to customers of all utilities — IOUs (PG&E, SCE, SDG&E, SoCalGas) and publicly owned utilities (SMUD, LADWP, etc.). Credit scores from 580 accepted. Low-income households in disadvantaged communities qualify for 0%/2% rate buydowns on heat pump projects.
Auto Summary
GoGreen Home is a California state-backed loan program offering lower interest rates and flexible terms for home energy upgrades (heat pumps, solar+battery, EV chargers, insulation, windows). As of 2026 it's open to ALL Californians regardless of utility, with loans from $1,000-$75,000 at rates starting around 4% APR (7 participating credit unions). Low-income households in disadvantaged communities may qualify for 0% or 2% rates on heat pump projects. Credit scores as low as 580 accepted; no collateral required. Verified 2026-05-17.
Value
$1,000-$75,000 loans for home energy upgrades; rates from ~4% APR; up to 20-year terms; 0% or 2% rates available for income-qualified households doing heat pump projects
Espanol
Financiamiento de energía para el hogar CAEATFA GoGreen - Programa de financiamiento que ayuda a residentes de California a obtener préstamos asequibles para mejoras energéticas del hogar, incluyendo solar, almacenamiento de baterías, cargadores de vehículos eléctricos y sistemas HVAC con bomba de calor.
URL
https://www.treasurer.ca.gov/caeatfa/cheef/reel/index.asp
Last verified 2026-05-17 · Program active statewide

GoGreen Home Energy Financing

GoGreen Home helps Californians borrow money at lower interest rates to make their homes more energy-efficient. The state of California (through CAEATFA) guarantees part of the loan, so credit unions can offer better rates and accept borrowers with lower credit scores than they normally would. As of 2026, the program is open to all Californians — not just PG&E, SCE, SoCalGas, or SDG&E customers. [Source: caclimateinvestments.ca.gov/gogreen-home-financing (accessed 2026-05-17)]

Who qualifies

  • You own or rent a single-family home, townhome, condo, mobile home, or building with up to 4 units.
  • You live in California. Any utility — investor-owned (PG&E, SCE, SoCalGas, SDG&E) or publicly owned (SMUD, LADWP, etc.).
  • Your credit score can be as low as 580 at some lenders.
Special rates for low-income households: If you live in a designated disadvantaged or low-income community (or within a half mile of one), you may qualify for a 0% or 2% interest rate — but only for projects that include a heat pump for heating/cooling or a heat pump water heater. [Source: caclimateinvestments.ca.gov/gogreen-home-financing (accessed 2026-05-17)]
Fire reconstruction: After the January 2025 Los Angeles fires, CAEATFA confirmed that rebuilding after a natural disaster is an eligible use of GoGreen Home loans. [Source: caclimateinvestments.ca.gov/gogreen-home-financing (accessed 2026-05-17)]

What you can finance

  • Heat pump HVAC (heating + cooling in one)
  • Heat pump water heaters
  • Solar panels bundled with battery storage
  • EV chargers
  • Insulation, windows, doors, and air sealing
  • Energy-efficient appliances
  • Some non-energy upgrades like landscaping or remodeling (limited)
See the full Eligible Energy Measures list.

How much you can borrow and at what rate

Loans range from $1,000 to $75,000 with terms up to 20 years. Rates depend on the lender, your credit, and your location. Current rates as of mid-2025 from the official lender chart:
Statewide lenders (any California resident):
  • California Coast Credit Union: 3.98% – 9.88% APR, $5,000–$75,000
  • Matadors Community Credit Union: 4.49% – 10.74% APR, $2,500–$75,000
  • Self-Help Federal Credit Union: 5.00% – 8.75% APR, $2,500–$75,000
Regional lenders:
  • First US Community Credit Union (Sacramento + 11 surrounding counties): 5.49% – 9.74% APR, $2,500–$75,000
  • Travis Credit Union (12 Bay Area / Sacramento Valley counties): 5.49% – 8.99% APR, $1,000–$75,000
  • Valley Oak Credit Union (Tulare and Madera counties + select Kings/Fresno groups): 5.62% – 8.12% APR, $1,500–$75,000
  • Desert Valleys FCU (Kern, Inyo, and nearby): 6.00% – 10.00% APR, $2,500–$50,000, 15-year terms
[Source: treasurer.ca.gov/caeatfa/cheef/reel/resources/ggflender.pdf (accessed 2026-05-17, rates dated 07/01/2025)]
Rates change. Always confirm with the lender. Many offer a 0.5% discount for auto-pay.

How to apply

  1. Go to GoGreenFinancing.com/findfinancing. Answer a few questions about your project and location.
  1. Compare lenders. The site shows which credit unions can serve your county and your project type.
  1. Pick a contractor. Most projects (except simple self-install items like smart thermostats) have to be done by a GoGreen-enrolled contractor.
  1. Apply with the credit union. You may need to join the credit union first (usually a one-time $5–$25 deposit). The lender pulls your credit, reviews the project, and decides.
  1. Get the work done. Funds go to you or directly to the contractor depending on the lender.

Common pitfalls

  • You must use an enrolled contractor for most measures. A regular contractor's bid won't qualify. Confirm enrollment before you sign anything.
  • The 0%/2% rate is narrow. It only applies if (a) you're in a qualifying low-income community AND (b) your project includes a heat pump or heat pump water heater. A solar-only project does not qualify for the buydown.
  • Credit union membership. Each lender has its own membership rules. Travis and First US, for example, are tied to specific counties or employer groups.
  • Rate ranges are wide. The bottom of the range (e.g., 3.98%) usually requires excellent credit. Get pre-qualified before assuming you'll get the lowest rate.

Where to get help

  • Lender directly — every lender on the chart above has a dedicated GoGreen contact line.

Sources