Home Performance Program (HPP)

HPP takes a turnkey, whole-house approach to energy efficiency upgrades.

Upgrades are bundled to deliver greater rebate options and savings. Follow three simple steps to take advantage of our HPP program:

Choose a contractor from our list of participating HPP contractors, Your contractor will recommend improvements, rebate packages and financing options that fit your schedule and budget.

Select your upgrade package

New improvements to our HPP program make it easier for you to select a package that meets your needs and maximizes your rebates.

  • Seal and Insulate – rebates up to $3,500
  • Heating/Cooling Systems – rebates up to $2,000
  • Gas to Electric Conversion – rebates up to $13,750

Heating and Cooling Systems

Heating and Cooling Systems Rebate - $1,500 Heating and cooling needs can represent up to 40% of the energy used ...
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Seal and Insulate

Seal and Insulate Rebate - $3,000 Air leaks in most houses add up to the equivalent of an open window ...
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How much do upgrades cost?

Costs are dependent on the scope of work, your home’s size and ability to access the work areas; it’s therefore impossible to offer suggested values. Each home requires unique repairs which will trigger different prices.

What financing options are typically available?

In addition to SMUD financing, other options include personal loans or credit cards. We recommend considering the costs and benefits of different financing options to find a solution that best meets your particular situation.

Do I qualify for this program when I’m buying a home?

If you’re in the market to purchase a home, SMUD wants you to know you could qualify for an FHA Energy Efficiency Mortgage Loan and SMUD Home Performance Program rebates. Get more information about Energy Efficient Mortgages through FHA.

Why finance energy efficiency measures? What are the benefits?

SMUD encourages energy efficiency home improvement projects as a solution to help customers manage their energy usage and utility bills. Often, the relatively high initial cost of some measures can be an obstacle for some customers. To help offset these costs, SMUD offers financing for energy efficient upgrades to allow qualified customers to enjoy lower energy bills and increased comfort immediately while paying over time. There are no upfront costs beyond a $100 application fee.

How do I apply for financing?

Customers apply for financing through participating SMUD contractors. The contractor will assist you in filling out the application form and determining the type and amount to finance. Before applying for financing, applicants should ensure that they meet the eligibility requirements.

Will you check my credit?

Yes. When applying for a SMUD loan, we will check your credit rating and bill payment history to assist in determining your eligibility.

How long does the SMUD financing process take?

Financing is approved the same day completed paperwork is submitted.

What are the basic loan terms?

The maximum loan amount for an HPP unsecured loan is currently $30,000 with a maximum loan term of 180 months. Interest rates may vary from time to time, so please check with a participating contractor or contact SMUD Financing at 1-916-732-5472.

What is the current annual percentage rate for the SMUD Home Performance unsecured loan?

The HPP unsecured loan is currently 6.99% APR with no prepayment penalties. Rates are subject to change.

Is there a loan application fee?

A loan application fee of $100 will be charged for a SMUD Home Performance Program loan.

Who is eligible for the program?

The applicant must be the vested owner of the property where the products are to be installed. The owner does not have to reside in the property to be eligible. Loans are not made to tenants renting or leasing the property.

What types of dwellings are eligible?

Single-family homes, town homes, and condominiums qualify. Duplexes, triplexes and quadplexes also qualify with special restrictions. Each unit in these types of buildings must be at least 1000 sq. ft. If not, the rebate is reduced by 50% per unit less than 1000 sq. ft. Apartment complexes of more than four units and mobiles homes are not eligible for this program.

Where can I get more information?

You can contact SMUD’s Advanced Home Solutions line at 1-916-732-5732. Inquiries can also be referred by email to AdvancedHomeSolutions@smud.org for questions on program eligibility, the installation process and a list of participating contractors. for details on SMUD financing, please contact one of our financing professionals at 1-916-732-5472.

Can I start the upgrades before my application is approved?

No. All projects must receive pre-approval prior to beginning construction. Self-installed measures are not allowed within this program and will note receive rebates. To be eligible for financing, the applicant must receive loan approval from SMUD prior to installation of any product(s). SMUD will not finance previously installed products, or products paid for by the customer or financed through another lender.