The total install was $12k. I also did another 1k in retrofits under the Greener Homes program, but I did the Greener Homes loan as well. I had to outlay the $13k up front, but then I got all of that back in a 10-year, 0% interest loan, plus $5600 in rebates on top ($5k for the heat pump, $600 for the furnace). The loan processing company debits my account $110 a month, which is low enough that it doesn’t really sting.

I debated doing solar as well, since the Greener Homes loan goes up to $40k. Solar would gave easily soaked up the remaining $25k available in the loan. My roof isn’t ideal for solar though, and I didn’t want to triple the loan’s monthly payments for a solar install that wouldn’t have paid for itself over time.