Government programs that replace a furnace.
Federal and state government programs help low-income families with replacing a furnace. The goal is to ensure people, in particular the elderly or disabled, are safe and healthy. Free government grants, interest free loans and more is offered and find details on furnace replacement programs from the government.
There are also resources that help people fix or repair their heating or colling system (HVAC). However, in some cases the fix would be too expensive, and his is when government assistance to replace the furnace is often the best option. There is help for electric, natural gas, propane, Heat Pumps, or even furnaces that use heating oil. Find details below.
Free government furnace replacement programs
There are three main federal government programs that help pay for a replacement furnace. They are grant based resources, meaning the money will not need to be repaid. In general, the new furnaces and funds to pay for it are for seniors over the age of 60, disabled adults, or those families with a very low-income (poverty level) and no savings or assets. Some of the government programs will also install the furnace as well.
Many of the applications for government furnace programs are processed locally. This can include a community action agency near you, a Department of Social or Human Services and other non-profits. In addition, the benefit programs can go by different names depending on the state, which community action can advice applicants on. Locate community action phone number near you.
Grants for a furnace replacement is available from LIHEAP. The Low-Income Home Energy Assistance Program pay for utility bills but also heating/cooling equipment, whether to fix it or replace it. Note LIHEAP is often called different names depending on the state, and it can be referred to as EAP, Fuel Assistance, HEAP, or something else.
LIHEAP offers furnace replacement funds and assists with home energy costs for households with an income below a certain threshold. Priority is for the elderly, unemployed and disabled. It provides financial assistance for heating system repairs or replacements. Applications are processed by community action agencies or a social service office. Find LIHEAP applications near you.
Weatherization provides for energy efficiency updates, including replacing an older furnace with a more energy efficient module. The government program is administered by the Department of Energy with applications taking locally. Weatherization, or WAP, will help increase energy efficiency in homes occupied by low-income families, with a new energy-efficient furnace being available.
This free government program addresses energy efficiency upgrades including furnace replacements. It can provide a new gas furnace, electric unit, propane or even a wood stove or furnace. Other home updates can be made as well, as the goal is to help low income households that spend a significant portion of their income on energy costs. Learn how to apply for weatherization.
The USDA Section 504 Home Repair Program can provide free government money to replace a furnace. Note the government program is only for low-income seniors. It also focuses on rural and less populated parts of the country. This US Department of Agriculture program has free grants (or interest free loans) to address the health and safety needs of a homeowner, which includes making sure the home is warm. Furnace replacement is part of what is provided. Learn more here.
Low-cost loans from the government to replace a furnace
Energy efficiency furnace replacement credits are available from the government. The EEHIC program, known as the Energy Efficiency Home Improvement, will provide $1,000 to $2,000 per homeowner in the form of a credit on their income taxes. The goal is to help people, no matter what their income, save energy including from the replacement of a furnace.
HUD loans help pay for a furnace or HVAC system. The Energy Efficient Mortgage (EEM) is a government sponsored, lower interest rate mortgage for people either (1) buying an energy efficient home or that (2) need funds to update their current home, such as to replace a furnace. It is a form of low cost, low interest rate government financing for furnace replacement or other energy improvements. Find details on EEM mortgage loans.
The FHA Standard 203(k) program provides loans to help pay for various types of repairs, updates, or improvements to a house. This includes the replacement of a furnace. The loan will be FHA backed, have very low interest rates, and the money can be issued to low-income or bad credit borrowers too. It is another government programs that pays for furnace replacements. More on FHA loans for furnace replacement.
Local utility companies can provide information about specific state and government programs for a new furnace. They also have details on rebates, loans, and incentives for furnace replacement and energy efficiency upgrades. Some utility companies will also, from time to time, help people fix or replace their current furnace with a more efficiency module.
 Electric and gas company programs for furnace replacement are diverse, with many partnering with a state government on them. They give priority mainly to low-income families, seniors, and individuals with special needs. A utility company customer service team can help people apply for these government benefits to replace a furnace or the services offered by the local utility provider. Find utility company programs for the low-income.
Habitat for Humanity ReStores, furniture banks, Goodwill and other charities often have cheap furnaces for sale, or they give them out for free to people in an emergency. Some of these non-profits partner with the government or local companies on the furnace replacement programs. Find details on where to get free home appliances.
Conclusion
Eligibility for these furnace replacement programs will vary, including even by state. In general, the government grant programs are for low-income families that have little or no assets in their name. Loans and credits to replace a furnace tend to be more available. The application processes and requirements vary, and non-profits or social services near you will help with applying for furnace replacement programs.
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