Home Insulation and Heat Pump Subsidies in the Netherlands: A 2026 Guide for Homeowners

If you own your home in the Netherlands, you can usually stack three layers of support to pay for insulation, a heat pump, or other sustainability upgrades. The first layer is a national subsidy called the ISDE. The second is a national low-interest loan called the Energiebespaarlening, run through the Nationaal Warmtefonds. The third is a separate subsidy from your own municipality, and this is the layer that varies the most. For homeowners in Amsterdam, Rotterdam, Den Haag, and Eindhoven, each city currently runs its own scheme, each with a different amount, a different WOZ value cap, and its own set of conditions. This guide walks through all three layers and lays out exactly what each of these four cities offers as of October 2026.

Why This Is Worth Checking Before You Start Any Renovation

A lot of homeowners find out about these subsidies only after the insulation work is already done, which usually means missing the money entirely, since most schemes require you to apply before you sign a contract with an installer, not after. If you are planning any of the following in the next year or two, it is worth checking what you qualify for first: roof, facade, or floor insulation, replacing single glazing with double or triple glazing, installing a hybrid or fully electric heat pump, or adding ventilation alongside insulation work. Budgets for these schemes are also limited and allocated on a first-come, first-served basis within each calendar year, so a scheme that is open today can close once its annual budget runs out, even if the official end date on the municipality's website is still months away.

The National ISDE Subsidy

The Investeringssubsidie duurzame energie en energiebesparing, known as the ISDE, is the main national subsidy for homeowners making their home more sustainable. It is administered by the Rijksdienst voor Ondernemend Nederland (RVO), the Dutch government's enterprise agency. For 2026, RVO has made 500 million euros available nationally for ISDE, plus a separate 5 million euros earmarked specifically for small wind turbines.

The ISDE covers measures including heat pumps, solar water heaters, insulation measures (when combined with at least one other qualifying measure, or when applied for through an installer under certain conditions), and connections to a district heating network. The exact subsidy amount depends on the specific measure and, for heat pumps, the type and capacity of the unit installed. Applications are submitted directly through RVO's own online portal, generally after the work is completed and paid for, using your installer's invoice as proof.

Because ISDE is a national scheme, it applies the same way regardless of which Dutch city you live in, and it can be combined with your municipality's own subsidy and with the Energiebespaarlening loan described below, as long as you do not claim the same cost twice under two different schemes.

The Energiebespaarlening: A Low-Interest Loan From the Nationaal Warmtefonds

Not every household wants to pay for sustainability upgrades with subsidy money alone, especially since subsidies rarely cover the full cost. The Nationaal Warmtefonds, a fund backed by the Dutch government, offers homeowners a loan called the Energiebespaarlening specifically for this purpose.

The loan ranges from 1,000 to 29,000 euros, with an additional cap of 8,500 euros available specifically for a home battery. If your household's combined taxable income is below 60,000 euros, the loan comes at 0 percent interest. Above that income threshold, a low fixed interest rate applies instead. Repayment terms are available over 7, 10, 15, or 20 years, and there is no age limit on who can apply. Once approved, a loan offer from the Warmtefonds stays valid for 3 months, giving you time to get quotes and sign with an installer before the offer expires.

Like the ISDE, the Energiebespaarlening is a national product, so it is available to homeowners everywhere in the Netherlands, not just in the four cities covered below.

Amsterdam: Insulation Subsidy, Heat Pump Subsidy, and the Duurzaamheidsfonds Loan

Amsterdam currently runs two separate municipal subsidies for homeowners, plus its own loan fund.

The Extra Isolatiesubsidie (extra insulation subsidy) offers up to 2,500 euros per home, with an additional 250 euros available if you use biobased insulation materials. To qualify, you must own and live in a single-family home (a grondgebonden koopwoning, meaning your home is not part of an apartment building) with a WOZ value up to and including 666,000 euros, based on the 2024 valuation. Your home must also either have an energy label of D, E, F, or G, or have at least two building parts, such as the roof, facade, or floor, that are poorly or not insulated at all. The subsidy covers cavity wall, facade, and floor insulation, as long as it is combined with energy-efficient ventilation, and the scheme is currently scheduled to run until 30 June 2028.

Amsterdam also offers a separate subsidy of up to 2,500 euros per home for installing a hybrid heat pump, funded from a 7.5 million euro allocation within the city's Climate Fund. This scheme opened on 1 January 2026 and can be combined with the national ISDE subsidy for the same installation.

On top of both subsidies, homeowners can apply for a loan from Amsterdam's own Duurzaamheidsfonds, ranging from 10,000 to 200,000 euros, for a broader range of sustainability measures. The municipality's own page does not publish a fixed interest rate for this loan, so check the current rate and terms directly on Amsterdam's website before applying.

Rotterdam: Insulation Subsidy for Single-Family Homes

Rotterdam's municipal insulation subsidy is aimed specifically at single-family homes built in 1992 or earlier. To qualify, you must own and live in the property yourself, your home's WOZ value must have been below 477,000 euros as of 1 January 2024, and your home must have at least two poorly insulated building parts among the roof, facade, floor, or glazing.

The subsidy is capped at 2,000 euros per property, rising to 2,200 euros if you apply for two or more measures at the same time. The exact amount depends on which measure you choose. Triple glazing, for example, is subsidised at 200 euros per square metre with a minimum of 3 square metres, while foundation insulation is subsidised at a lower rate of 10 euros per square metre. Applications go through the municipality's own online portal, and Rotterdam states a processing time of 8 to 20 weeks once you apply.

Den Haag: Insulation Subsidy, With a Higher Amount for Ooievaarspas Holders

Den Haag's insulation subsidy covers roof, floor, and facade insulation, as well as glass and window frame replacement. Most applicants can receive up to 1,000 euros per home, limited to the first 1,000 applications the municipality receives. Households that hold an Ooievaarspas, or that otherwise qualify for the municipality's energy allowance, can receive up to 3,500 euros instead. The municipality pays out 80 percent of the subsidy upfront, with the remaining 20 percent paid after you submit your invoices.

To qualify, you must own and live in the home yourself, or apply as a homeowners' association (VvE) with at least one owner-occupant member. Your home's WOZ value must be below 491,000 euros as of 1 January 2024. You also need either an energy label of D, E, F, or G, or, for a home built before 1992 with no energy label, at least two poorly insulated building parts. The materials used must meet the requirements of the national ISDE or SVVE subsidy schemes, and Den Haag's own guidance states explicitly that this municipal subsidy can be combined with those national schemes.

Eindhoven: Insulation and Ventilation Subsidy for Owner-Occupants

Eindhoven's subsidy for insulation and ventilation runs from 6 October 2025 through 1 October 2028, and pays 1,250 euros per eligible property, with an additional 500 euros if you use biobased insulation materials.

To qualify, your home must have been built in or before 1991 and be located within Eindhoven, and you must own and live in it yourself, since rental properties are not eligible. Your home needs an energy label of D, E, F, or G, or, without a label, documented proof of poor insulation in at least two building parts. The WOZ value cap is 457,000 euros, based on the 1 January 2023 valuation. The subsidy covers roof, wall, and floor insulation, window upgrades, and ventilation systems, and most work must be carried out by a professional installer, though floor and ground insulation can be installed yourself. The municipality states a processing time of 8 weeks for applications. Questions can be directed to duurzaamheid@eindhoven.nl or by phone on 14040.

How to Combine National and Municipal Support

In practice, most homeowners in these four cities apply for their municipal subsidy and the national ISDE subsidy for the same project, since the two are designed to work together rather than compete. A typical order of operations looks like this: check your own municipality's current subsidy page and confirm your home's WOZ value and energy label against the conditions, get quotes from one or more certified installers, confirm with RVO whether your planned measures qualify for ISDE, apply for the municipal subsidy before or during the work as your city's own page instructs, and apply for ISDE after the work is finished using your installer's invoice. If you need financing for the part of the cost that subsidies do not cover, the Energiebespaarlening from the Nationaal Warmtefonds is worth applying for separately, since it is a loan rather than a subsidy and does not reduce what you can claim from ISDE or your municipality.

How to Check What You Are Eligible For

Every scheme in this guide is run on a limited annual budget and can close early once that budget is used up, so always confirm current availability directly on the relevant official page before making any renovation decisions. Your own municipality's website is the right place to check your city's current scheme, your home's exact WOZ value (also listed on your annual WOZ assessment letter), and your home's registered energy label. For the two national schemes, RVO's own ISDE page and the Nationaal Warmtefonds's own page are the authoritative sources, and both are kept up to date as budgets and conditions change through the year. If you live outside Amsterdam, Rotterdam, Den Haag, or Eindhoven, it is still worth checking your own municipality's website directly, since many other Dutch municipalities run a version of this subsidy as well, just under a different name and with different conditions.

References

• ISDE: Investeringssubsidie duurzame energie en energiebesparing (Rijksdienst voor Ondernemend Nederland)
• Energiebespaarlening (Nationaal Warmtefonds)
• Subsidie Extra Isolatie Subsidie (Gemeente Amsterdam)
• Subsidies en leningen voor verduurzamen (Gemeente Amsterdam, Duurzaam Wonen)
• Lening Duurzaamheidsfonds aanvragen (Gemeente Amsterdam)
• Subsidie isolatie eengezinswoningen aanvragen (Gemeente Rotterdam)
• Subsidie voor woningisolatie aanvragen (Gemeente Den Haag)
• Subsidie voor isolatie en ventilatie voor eigenaar-bewoners (Gemeente Eindhoven)