The program knowledge inside Luna.
Programs, stacking rules, utilities, and explainers — the same rebate and financing depth Luna uses to quote the real number. The full playbooks stay inside Luna; book a demo to see them applied to your jobs.
Prefer numbers? Try the ROI calculator
Programs
Atlantic City Electric Rebates
$300-$700 across heat pump + heat pump water heater + LMI bonuses. Mutually exclusive with NJ Whole Home for same measure.
See how Luna uses thisJCP&L Heat Pump Equipment Rebate
$750 equipment-only rebate for central heat pump or ductless mini-split. Mutually exclusive with NJ Whole Home for the same equipment.
See how Luna uses thisNJ Heat Pump Water Heater Rebate
$750 standalone rebate for HPWH installation. Mutually exclusive with Whole Home if HPWH is in Whole Home scope.
See how Luna uses thisNJ Whole Home Energy Solutions
Up to $7,500 base rebate for whole-home energy upgrades (insulation, air sealing, HVAC, water heater) through any of NJ's 7 utilities.
See how Luna uses thisPSE&G Building Decarbonization — Clean Heat
$10,000 rebate ($12,000 LMI) for fully decommissioning fossil heat and switching to a heat pump. PSE&G electric customers only.
See how Luna uses thisPSE&G Building Decarbonization — Dual Heat
$5,000 rebate ($6,000 LMI) for adding a heat pump while keeping existing fossil heating as backup. Cannot be combined with the Clean Heat or Hybrid Heat rebate on the same project.
See how Luna uses thisPSE&G Building Decarbonization — Hybrid Heat
$2,000 rebate ($3,000 LMI) for replacing cooling system only with a heat pump (heating stays fossil).
See how Luna uses thisPSE&G Heat Pump Equipment Rebate
$900 equipment-only rebate for qualifying central heat pump installation. Mutually exclusive with NJ Whole Home for the same equipment.
See how Luna uses thisStacking rules
HPWH Exclusive with Whole Home If In Scope
The standalone NJ HPWH $750 rebate is mutually exclusive with NJ Whole Home if HPWH is included as a measure in the Whole Home scope of work.
See how Luna uses thisLow- and Moderate-Income (LMI) Eligibility
$80K household income cap on PSE&G BD LMI tiers. ACE LMI is +$200/measure with no fixed income cap. Income-qualified tiers are confirmed during the project and are never assumed in headline rebate figures.
See how Luna uses thisOn-Bill Repayment (OBR) Financing Cap Rules
0% interest financing through utility bill. $25K standard cap, $50K cap for heat pump projects. If project net cost exceeds cap, split: cap covered by OBR, remainder at standard financing rate.
See how Luna uses thisPSE&G Building Decarbonization × NJ Whole Home Coordination
Whole Home and BD are concurrent but separate projects. Heating/cooling can only sit in ONE program — split-scope reduces Whole Home rebate. Rebates don't stack; OBR financing stacks up to $75K total.
See how Luna uses thisWhole Home → Equipment-Only Exclusion
NJ Whole Home does NOT stack with utility equipment-only rebates that cover the same measure. Conservative default applies to all NJ utilities.
See how Luna uses thisUtilities
ACE (Atlantic City Electric)
Southern NJ utility (Exelon subsidiary). Sponsors NJ Whole Home + ACE rebates ($300-$700 across HP, HPWH, +$200/measure LMI).
See how Luna uses thisJCP&L (Jersey Central Power & Light)
FirstEnergy subsidiary serving Central + Northern NJ. Sponsors NJ Whole Home + the $750 equipment-only HP rebate.
See how Luna uses thisPSE&G (Public Service Electric & Gas)
NJ's largest utility serving Northern + Central NJ. Sponsors NJ Whole Home, PSE&G HP, and the 3 Building Decarbonization programs.
See how Luna uses thisRockland Electric Company
Smallest of NJ's 4 electric utilities. Sponsors NJ Whole Home only — no Rockland-specific equipment rebates currently active.
See how Luna uses thisExplainers
0% On-Bill Repayment Financing
0% interest loans through your utility bill. Up to $25,000 standard, up to $50,000 for heat pump projects. Repaid as a line item on monthly bill — no separate loan.
See how Luna uses thisHeat Pump Water Heaters (HPWH)
HPWHs use 3x less electricity than standard electric water heaters — typical NJ household saves $300-$400/year. $750 rebate available standalone.
See how Luna uses thisInsulation and Air Sealing
Insulation slows heat transfer; air sealing stops drafts. Together they cut heating + cooling bills 15-30% and let smaller HVAC equipment do the same job.
See how Luna uses thisThe BPI Energy Audit
A BPI audit is a 2-3 hour diagnostic that tests your home's air tightness, identifies efficiency issues, and produces a prioritized scope eligible for Whole Home rebates.
See how Luna uses thisWhat Is a Heat Pump?
A heat pump is a single system that both heats and cools your home, using ~3x less electricity than older systems.
See how Luna uses thisWhy Whole Home Is the Better Path
Whole Home delivers ~$7,500 vs ~$700-$900 for equipment-only — and includes a BPI audit that finds savings homeowners miss.
See how Luna uses thisSee Luna run your next project.
Book a 20-minute demo. We will show Luna on a real home-energy project — and how the founding cohort works.