Epic Homes Loan
Low-interest on-bill financing, not a rebate: borrow $1,000-$50,000 for efficiency upgrades, solar, and battery systems, with no money down. Rates by term: 2.95% (3-5 years), 3.15% (7-10 years), 3.25% (11-15 years). Available to Fort Collins Utilities electric customers for homes and rental properties, and combinable with Efficiency Works Home rebates and solar rebates. Contact epichomes@fcgov.com, 970-416-4239.
Fort Collins Utilities offers the Epic Homes program, providing home efficiency assessments, upgrades, and loans. This includes support for switching to efficient heat pumps.
Guidance
The Epic Homes program from Fort Collins Utilities provides loans between $1,000 and $50,000 for energy efficiency upgrades, including heat pumps. Applicants must be property owners and utility customers who complete a pre-project home efficiency assessment.
Homeowner Tasks
- Confirm Fort Collins Utilities service
Verify that your property receives utility service from Fort Collins Utilities and that you are the property owner.
- Complete a home efficiency assessment
You must complete an Epic Homes efficiency assessment before starting any upgrades or applying for the loan.
- Apply for the loan
Submit your loan application after completing the assessment and selecting eligible upgrades.
Contractor Tasks
- Verify eligible upgrades
Confirm that the planned installations (e.g., heat pumps, insulation, air sealing) are eligible under the Epic Homes program guidelines.
- Coordinate with assessment findings
Ensure the equipment being installed aligns with the recommendations from the homeowner's completed efficiency assessment.
Qualification
- Has income-qualified portion
CARE program provides free assessments and retrofits for customers at or below 80% of Larimer County Area Median Income (AMI).
- Pre-approval required
- Permit required
- Contractor enrollment required
Schedule an Efficiency Works Epic Homes Assessment ($60) before starting work by calling 877-981-1888 or emailing information@efficiencyworks.org.
Not required: energy star certified equipment · ahri matched pair · income-qualified · fuel switching required
Budget & Availability
- June 9, 2026Funds are available and applications are being accepted.
How to Submit
Submit application through the Impact Development Fund (IDF) website (www.impactdf.org) after completing the mandatory Efficiency Works Epic Homes Assessment and receiving contractor bids.