Texas Energy Relief & Resilience Fund (TERRF)

Home improvements that help your house work better for you.

Clean Energy Fund of Texas offers consumer-focused programs that empower homeowners and families to reduce energy use, enhance home comfort, and lower utility costs through energy-efficient upgrades and green financing—especially for low- to moderate-income households.

APPLY for a TERRF LOAN

High energy bills, aging HVAC systems, roof issues, poor insulation, and weather-related wear and tear can make a home harder (and more expensive) to live in.

TERRF was created to help Texas homeowners finance practical home improvements that can improve comfort, support energy efficiency, and strengthen home resilience.

Whether your home needs a more efficient HVAC system, insulation, roofing, storm windows, or other eligible upgrades, TERRF may be able to help make the project more affordable.

Texas Energy Relief and Resilience Fund is offered by Clean Energy Fund of Texas in partnership with Solar and Energy Loan Fund (SELF), a mission-driven nonprofit lender that helps homeowners access affordable financing for energy efficiency, resilience, and essential home improvements.

APPLY for a TERRF LOAN

What TERRF Can Help Finance

TERRF is designed for home improvements that support energy relief, safety, comfort, and resilience. Eligible projects may include:

HVAC repair or replacement
Heat pumps
Roof repair or replacement connected to energy or resilience needs
Insulation
Storm windows or energy-efficient windows
Weatherization improvements
Other eligible home energy and resilience upgrades

Not sure whether your project qualifies? Start with the application and our team will help review your project.

START YOUR APPLICATION

Built for Texas Homeowners

TERRF is part of Clean Energy Fund of Texas’ work to help more families access affordable financing for improvements that can reduce energy burden and make homes more comfortable.

We know home improvement projects can feel overwhelming. Our goal is to make the financing process clear, approachable, and supportive — so you can focus on getting the work done.

TERRF may be a good fit if:

You own a home in Texas
You need energy efficiency, weatherization, or resilience-related improvements
You want financing designed to support practical home upgrades
You are looking for a simpler path to move your project forward

Loan approval is subject to eligibility, underwriting, project review, contractor requirements, and availability of funds.

How It Works

Apply Online
Complete the TERRF application so we can learn more about you, your home, and the improvements you are considering.
Project Review
Our team will review your application and the proposed project to determine whether it fits TERRF eligibility requirements.
Contractor Coordination
Eligible projects must be completed by a qualified contractor. If you already have a contractor, we will help confirm whether they meet program requirements. If you need help identifying a contractor, our team can provide guidance on next steps.
Loan Review and Approval
If your project is eligible, your loan application will move through underwriting and approval.
Complete Your Home Improvement Project
Once approved and closed, your contractor can move forward with the project according to program and loan requirements.

Why This Matters

Home energy costs are part of home affordability.

When a home is poorly insulated, has an aging HVAC system, or needs weather-related repairs, families often pay more every month just to stay safe and comfortable. TERRF helps connect homeowners with financing for improvements that may reduce energy waste, improve comfort, and make homes more resilient over time.

This is not just about home repairs. It is about helping Texas families live in homes that are more affordable, reliable, and ready for the future.

Ready to Get Started?

Take the first step by completing the TERRF application. Once submitted, our team will review your information and follow up with next steps.

APPLY FOR A TERRF LOAN

This is in “partnership” with Solar Energy Loan Fund of St. Lucie County, Inc. (SELF).

FREQUENTLY ASKED QUESTIONS

TERRF stands for Texas Energy Relief and Resilience Fund. It is a financing program from Clean Energy Fund of Texas that supports eligible home energy, weatherization, and resilience improvements.

Eligible projects may include HVAC systems, heat pumps, roof improvements, insulation, storm windows, weatherization, and other approved energy or resilience-related home upgrades.

No. You may apply even if you are still figuring out your project. If you already have a contractor, we can review whether they meet program requirements. If not, our team can help explain what to look for in an eligible contractor.

No. TERRF is separate from solar financing. TERRF focuses on home energy efficiency, weatherization, and resilience improvements such as HVAC, insulation, roofing, heat pumps, and windows.

Texas homeowners may apply. Final eligibility depends on the borrower, the home, the proposed project, underwriting review, contractor requirements, and available funds.

Eligible improvements may help improve energy efficiency and comfort, but actual savings depend on your home, project type, energy usage, utility rates, and other factors.

Click the application button and complete the online form. After your application is submitted, our team will review it and follow up with next steps.