​Home Performance Program

Our Home Performance Program (HPP) takes a whole-house approach to energy efficiency. With this turnkey approach to energy upgrades, you'll select a contractor from our list of participating HPP contractors, get a assessment of your home's energy systems, and receive a report of recommended improvements and qualifying rebates.   

Upon your approval, your contractor will perform the necessary work and submit all the rebate paperwork on your behalf. Depending on the upgrades you choose, you can get up to $5,000 in rebates for a gas heated home, or $8,000 for a home with electric heating. Participating customers see average annual electricity savings of about 15%.

To take advantage of our HPP program, the following measures must be included in your upgrade plan:

  • Air seal to 130% of ASHRAE standard for the home
  • Duct seal to 8% leakage if reusing ducts, 5% or less if new ducts installed
  • Attic insulation to R-38 or more (can be waived if current insulation level is R-30 or greater)



Qualifying upgrades

View our additional options for rebates to include in your Home Performance Project. When 5 or more improvement measures are combined, there is an additional bonus rebate of $300.

Heat pump water heater upgrade

Upgrade Requirement  Incentive

Requirement: Replace your water heater with a SMUD approved ENERGY STAR® heat pump water heater with a uniform energy factor of 2.87 or greater, and 50 gallon capacity or greater.

$1,000 - $3000

Attic Insulation

Insulate attic above all conditioned areas to R-38 or greater. Rebate will be based upon existing attic insulation and the selected upgrade below. 


Upgrade requirement Incentive
Sealed attic floor, ≥ R-38 (knee walls ≥ R-19). Existing insulation must be completely replaced.  $1.00 per sq. ft., $2,000 max 
Sealed attic floor, ≥ R-38 (knee walls ≥ R-19). Re-use of existing insulation allowed if uncontaminated and free of debris.  $0.50 per sq. ft., $1,500 max
≥ R-38 (knee walls ≥ R-19). Re-use of existing insulation allowed if uncontaminated and free of debris.  $0.15 per sq. ft., $1,000 max

 Crawlspace insulation Incentive
≥ R-19, vapor barrier (6 MIL plastic)  $500


 Wall insulation Incentive 
≥ R-13, all exterior walls of living space  $0.50 per sq. ft., $1000 max
HVAC unit

HVAC Replacement

Installation of ENERGY STAR® air conditioner and/or heat pump based on the tier of efficiency chosen for the unit or installation of qualified ENERGY STAR® ductless mini split. Minimum SEER 15.0. Minimum HSPF 8.5. Four zone maximum. 

Incentives are only available for qualifying HPP projects done by listed HPP contractors.

Upgrade requirement  Incentive
Split central AC
≥ 15.0 SEER, ≥ 12.5 EER 
Split central AC
≥ 16 SEER, ≥ 13.0 EER
Split central AC
≥ 18 SEER, ≥ 13 EER
Packaged central AC
≥ 16 SEER, ≥ 12 EER
Split heat pump
≥ 15.0 SEER, ≥ 12.5 EER, ≥ 8.5 HSPF
Split heat pump
≥ 16 SEER, ≥ 13 EER, ≥ 9.0 HSPF
Split heat pump
≥ 18 SEER, ≥ 14.5 EER, ≥ 10.0 HSPF
Packaged heat pump
≥ 15 SEER, ≥ 12.5 EER, ≥ 8.2 HSPF
Packaged heat pump
≥ 16 SEER, ≥ 13 EER, ≥ 8.2 HSPF

Mini-split heat pump
≥ 15 SEER, ≥ 8.5 HSPF

With DC inverter technology


$250 per indoor head

$1000 max


HVAC Airflow bonus  Incentive
Achieve 400 CFM/ton of measured airflow $400 
 Achieve 450 CFM/ton or better of measured airflow  $450



HVAC Home Performance Program bonus  Incentive
Downsized unit   $100 per 1/2 ton reduction, $300 max

Ducting Upgrades

Installation of new duct system insulated to minimum R-8 and < 6% duct leakage. $500 rebate per system; $700 maximum rebate available. Rebates may be part of a Home Performance Project.


Upgrade requirement  Incentive

Reuse existing system
8% maximum duct leakage

$250 per system, $350 max

(for multiple duct systems/two house systems)

Replace insulation of new duct
R-8, 5% maximum duct leakage

$500 per system, $700 max
(for multiple duct systems/two house system
 Deep buried $200 

Bonus air sealing

Air sealing is a mandatory measure for Home Performance projects.

Bonus Air Sealing Requirement: Air seal building to reduce leakage to < 130% of ASHRAE 62.2 mechanical ventilation standard. Calculation  is dependent on the total area of home being sealed.


 Details  Incentive
Minimum 15% infiltration reduction vs. test-in 

$25 for every 500 sq ft conditioned floor area, $200 max

Minimum 30% infiltration reduction vs. test-in  $50 for every 500 sq ft conditioned floor area, $400 max

Minimum 30% infiltration reduction vs. test-in.

Adequate continuous mechanical ventilation installed.

 $300 + $50 for every 500 sq ft conditioned floor area, $600 max
$50 for every 500 sq ft conditioned floor area, $400 max
$50 for every 500 sq ft conditioned floor area, $400 max
$50 for every 500 sq ft conditioned floor area, $400 max


Installation of windows that meet the ENERGY STAR® energy-efficiency criteria. Rebates only qualify if installed as part of a Home Performance project with qualified Home Performance contractor.


Upgrade requirement Incentive
U-factor ≤ 0.30, SHGC ≤ 0.25. The window must bear a NFRC temporary label. $3 per sq. ft. of upgraded window area, $1000 max* 

Pool Pump

Replace existing single-speed or two-speed pool pump with a variable-speed pool pump.


Upgrade requirement Incentive
Single-speed to variable speed $400
Two-speed to variable-speed $250
Whole house fan

Whole-house fan

 Whole-house fan ≥1000 CFM  $150 per fan, max $300
LED Light bulb

Lighting fixtures

Pin-based sockets and bulbs meeting Title 24 high-efficacy standards $100 per 5 socket and bulb upgrades, $500 max 
Thermostat dial at 70 degrees

Smart thermostat

ENERGY STAR Smart Thermostat $75

Getting started:

1. Select a participating HPP contractor, and make an appointment.

2. Select your upgrades. Review contractor recommendations and select the upgrades that will yield the greatest results. Note: some measures may be mandatory, depending upon the existing condition of the home.

3. Complete your upgrades. Your contractor will install your upgrades and submit all required rebate paperwork to SMUD.

4. Collect your rebate. Your rebate check from SMUD will arrive 4-6 weeks after all paperwork has been received.

Financing options

Maximum loan amount: $30,000

Maximum loan term: 15 years

Interest rate: 6.99%

Interest rates are subject to change. For current rates, visit our Financing page or call 1-916-732-5472

Get pre-qualified

Frequently asked questions


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.

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 approval usually takes one to two days once the 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 residential services at 1-888-742-7683.

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

The HPP unsecured loan is 6.99% APR. This rate will be available through December 31, 2015 or until funds are fully subscribed.

Is there a loan application fee?

Presently no loan application fee 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, 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 each unit less than 1000 sq. Ft.. Apartment complexes of more than four units, mobiles homes are not eligible for this program.

Where can I get more information?

You can contact the home performance program manager at 1-916-732-6798 for questions on program eligibility, installation process, and a list of participating contractors.

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.


Our HPP contractors follow standards set by the Building Performance Institute and have extensive training in building science and technology.

It is good practice to ask for references from prior customers and check them to ensure you pick the best match for your home. SMUD also recommends requesting bids from multiple contractors when considering equipment replacement.

HPP Home Performance contractors Offers financing Projects submitted in 2018

Airsmiths Home Performance
Sacramento, CA 95816
License #950795

Call 916-988-3014



Air Tech HVAC
2885 Mosquito Rd., Placerville, CA 95667
License #955202

Call 530-626-8501



Bell Brothers Heating & Air Inc.
10555 Norden Ave., Mather, CA 95655
License #726129

Call 916-444-1234



Brower Mechanical, Inc.
4060 Alvis Court, Rocklin, CA 95677
License #686451

Call 916-624-0808



California Energy Consultant Service
11367 Trade Center Dr., Ste. 115, Rancho Cordova, CA 95742
License #627677

Call 916-852-8132

Yes 26-50

California Energy Services
4905 A Golden Foothill Pkwy., El Dorado Hills, CA 95762
License #747568

Call 916-737-1107



Clarke & Rush
4411 Auburn Blvd., Sacramento, CA 95841
License #608005

Call 916-609-2667



Diamond Heating and Air
501 Giuseppe Court #A, Roseville, CA 95678
License #586277

Call 916-740-2663



Energy Resolutions, Inc.
9745 Business Park Dr., Sacramento, CA 95827
License #942056

Call 916-851-9999

Yes 1-25

Energy Saving Pros, Inc. 
3334 Swetzer Road, Loomis, CA 95650
License # 977147

Call 866-497-6527

Yes   1-25

Gilmore Heating & Air
4429 Missouri Flat Road, Placerville, CA 95667
License #559305

Call 916-635-0440



Golden Aire Heating & Air Conditioning
9408 Orangevale Ave., Orangevale, CA 95662
License #423363

Call 916-988-6137

Yes   1-25

Huft Heating and Air Conditioning, Inc.
10103 Iron Rock Way, Elk Grove, CA 95624
License #831333

Call 916-686-2626



J.R. Putman, Inc.
11330 Sunrise Park Dr., Ste. A, Rancho Cordova 95742
License #401802

Call 916-638-2442



McDonald Plumbing, Heating & A/C
3618 Broadway, Sacramento, CA 95817
License #387145

Call 916-456-4738



Sierra Pacific Home & Comfort, Inc.
2550 Mercantile Dr., Ste. D, Rancho Cordova, CA 95742
License #453302

Call 916-638-0543



Our HPP contractors follow standards set by the Building Performance Institute and have extensive training in building science and technology.

To become a SMUD Qualified Home Energy Contractor, work with the California Building Performance Contractors Association to follow the steps outlined below.

To participate in SMUD's HPP, your contracting company must:

  • be a Contractors State License Board-licensed contractor with a California license appropriate to the scope of work i.e., California General B License;
  • maintain all applicable licenses, permits, insurance, and bonds required by Federal, state, and local laws.

Participating contractors must hold:

  • a BPI Building Analyst (BPI-BA) certification, and
  • a California General B License

Participating contractors must:

Contractor Frequently Asked Questions

What requirements do contractors meet to become SMUD Qualified Home Energy Contractors?

All applicants are reviewed to ensure their contractor's license is in good standing with the Contractors State License Board, and that all insurance coverage meets the District's requirements.

What does BPI certification mean?

Building Performance Institute (BPI) certification is required by state and local municipalities in order to participate in energy efficiency incentive and rebate programs. To become BPI certified, you must meet stringent, nationally recognized standards by passing both written and field exams.

With BPI certification, you can complete energy efficient upgrades and improvements to qualify your clients for rebates and incentives. Since BPI credentials are recognized across the country, you can complete work throughout the state of California or the nation.

Who should take the training courses?

Anyone interested in conducting business in whole-house energy efficiency auditing, retrofitting or remodeling, including:

  • Remodelers
  • HVAC contractors
  • Solar contractors
  • Insulation contractors
  • General contractors
  • Construction workers interested in expanding their skills

How many exams are required?

There are multiple certifications offered by BPI, but to participate in the SMUD Home Performance program, only the Building Analyst certification is required. To obtain this certification, both a written and hands-on field test are required.

How much does it cost to take the exams?

The written BPI exams cost from $125 to $150 per exam. Field exams cost $415 each. The same costs apply if you are retaking an exam.

How can I prepare for the written exams?

While courses are not required to test for BPI certification, they are encouraged. There are many affiliates available to offer BPI training; please visit the BPI website to find offerings in your area.

What should I expect for the exams?

You will take a 100-question exam and field exam that covers certain fundamentals of building science, as well as, knowledge specific to the designation being attempted.

If you are seeking more than one certification, then you will also take a 50-question exam in the certification designation and complete the field exams.

What is required to pass the exams?

To successfully pass each exam, you must earn an overall score of 70 percent or higher. The Combustion Appliance Zone (CAZ) and Carbon Monoxide (CO) sections of the field exam must be completed with a grade of 85 percent or higher.

How long does it take to process the exams?

Exam results are processed in four to six weeks.

When does BPI certification expire?

You must recertify every three years.

Contractor Resources

License and Certification Resources Contractor Training Resources Contractor Training Reimbursement Resources Recommended Home Performance Equipment List Job Opportunities