When the Inflation Reduction Act (IRA) of 2022 passed, homeowners had until 2032 to take advantage of 
energy-efficiency tax credits. On July 4, 2025 Congress passed bringing deadline forward by seven years. 
The up to $6.000 federal incentive is over as of December 31, 2025

Click here for Forms 5695 and Schedule 3 needed to get federal incentive up to $6,000 thru 12-31-2025

0% Interest On-Bill Repayment up to $25,000 for 10 years for your home energy upgrades.   
This is still good since from your Utilities and not Federal Government subsidizes it.  
Even though no longer can get Federal Subsidies - getting new HVAC equipment will save you money by 
having the latest in energy efficient equipment.

What is the Whole Home Energy Solutions Program?

The New Jersey Board of Public Utilities has initiated its new funding cycle for 2025. The new program, Whole Home Energy Solutions, replacing Home Performance with ENERGY STAR®, continues to provide the funding opportunities for residential energy upgrades through your Gas and Electric Provider, especially if your HVAC equipment is showing signs of age.

Why Is Freon Banned?   Freon (R-22) was officially banned in the U.S. for use in air conditioning as of January1, 2020.As Freon breaks down, it releases harmful chemicals like chlorine into the atmosphere, damaging the ozone layer. This depletion allows more harmful ultraviolet (UV) radiation to reach the Earth’s surface, contributing to global warming and increasing health risks for humans, according to the Environmental Protection Agency (EPA). The ban is part of a global effort to protect the ozone layer and mitigate climate change.

0% Interest On-Bill Repayment up to $25,000 for 10 years for your home energy upgrades.  This is still good since from your Utilities and not Federal Government subsidizes it.

The "whole house" approach to energy efficiency not only means upgrading your old equipment, but also air sealing and insulation upgrades resulting in improved comfort and lowered energy bills.

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"Oxford Energy" replaced my heater and air conditioner along with putting more insulation in my attic and other items to help control my utility bills since my home is older and still used R-22 a/k/a Freon for my air conditioner which is no longer produced as of January 2020) - click here to see letter. 

Click Here for picture of Oxford Energy Truck & Old units versus New units.

Since I replaced my hot water heater in 2019 - no need to do it. But I had everything else replaced.  

I signed up early February & was installed February 28, 2025. 

 

For 120 months (10 years) with 0% interest rate, it will cost me less than $110 a month after my local gas utility (I have South Jersey Gas) "subsidizes funding".