Head to efficiencymaine.com and look at their rebates and financing for insulation and air sealing as well as a heat pump. If you’re not sure what the terms are give them a call, I’ve found their call center staff wicked friendly and knowledgeable. You’ll probably need to wait a while to get on a contractor’s list but especially if you’re income constrained they have a lot of assistance, both direct $$ and really low cost loans.