I have been lurking for months and have read 90% of the threads at least once but one thing I don't see discussed is how people are paying for their geothermal installations. I have a 2750 sq ft home in NJ. We go through about 1,000 gallons of propane/ heating season with the stats set at 68 down/ 66 up. We have had 5 installers out and have received 4 bids. They are ranging in size and price from 2up/2down ton split to 3up/4down ton split and pricing from $48k to $60k. I won't go into the details of each because some appear way over priced ( 2/2 ton split, no desuperheaters $60k) to a more reasonable but still very expensive 3/3 ton split with desuperheater and duct work improvements for $48k. My issue is that in order for me to install geo I will need to take a home equity loan for $50k which will put me at 90% loan to value, which I don't think banks will do in the current real estate market. Does the federal government have any loans available that aren't home equity based? I realize I will get 30% back but I need all of the money up front. I am just really surprised at how expensive it is but in the long haul, with propane as my only heating option, we will need to do this eventually.