Key Takeaways
- Current PSEG-LI, state, or manufacturer programs may apply, but the program, customer, equipment, design, contractor, and installation date determine eligibility
- Federal 25C ended for property placed in service after December 31, 2025
- Synchrony plans are subject to credit approval and the lender's current written APR, term, payment, fee, and promotional disclosures
- Build the project budget from the installed price and subtract only incentive amounts confirmed in writing for the specific project
- Confirm contractor and application requirements before installation because program rules and funding can change
01Review Current PSEG-LI and Other Program Rules
PSEG-LI and other utility, state, or manufacturer programs may help with eligible heat-pump or heat-pump-water-heater projects, but availability, funding, and amounts can change. Do not treat an advertised maximum or an older project example as money already awarded to your project.
Depending on the current program, requirements may include:
- A Manual J load calculation and program-compliant sizing
- Installation by a contractor approved under the current program rules
- A complete matched system from the current approved-products list
- Customer, property, account, or income documentation where required
- Application or reservation approval before equipment is ordered or installed
Ask for the program name, estimated amount, eligibility assumptions, application timing, and payment method in writing. An estimate is not a program approval, and final eligibility remains with the program administrator.
02Federal 25C Ended After 2025
The federal Energy Efficient Home Improvement Credit under Section 25C ended for property placed in service after December 31, 2025. A central AC, heat pump, or heat-pump water heater placed in service in 2026 should not be budgeted with a 25C credit.
This federal cutoff does not determine eligibility for separate utility, manufacturer, or state-administered programs. HEAR/HEEHRA and similar programs have their own funding, income, equipment, contractor, and application rules. Confirm the specific program and estimated amount in writing rather than treating those programs as a replacement federal tax credit.
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03Synchrony Financing Options Through Home+
Financing options through Synchrony are subject to credit approval and the lender's current written terms. Available plans can change, and the plan shown to one applicant may not be offered to another.
Before signing, compare the disclosure for:
- APR and whether it is fixed, promotional, or deferred-interest
- Term, required payment, total of payments, and any fees
- What happens when a promotional period ends
- Whether early payoff changes any promotional benefit
- The financed amount before and after only those incentives already approved in writing
Use the lender's final disclosure—not an advertised monthly example—to evaluate affordability. Financing is optional, and approval timing is controlled by the lender.
04How to Build a Verified Project Budget
Start with the complete installed price before incentives. A useful written proposal should identify:
- Equipment, labor, permits, electrical, ductwork, and other project costs
- Each current utility, state, or manufacturer program reviewed
- The written eligibility assumptions and whether an amount is estimated, reserved, or approved
- Who receives the program payment and when it is expected
- The amount to finance under the lender's approved disclosure
Do not subtract the expired federal 25C credit from a post-2025 project. Subtract other incentives only after the applicable program has been identified and the project-specific amount has been confirmed in writing.
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05Run Your Numbers With Us
A useful estimate should separate installed cost, current program eligibility, and financing. Any estimated utility, state, or manufacturer incentive should be documented in writing, and any payment illustration should come from the lender's approved disclosure.
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