PSE&G Building Decarbonization × NJ Whole Home Coordination

PSE&G BD × NJ Whole Home Coordination

The rule

NJ Whole Home Energy Solutions and PSE&G Building Decarbonization are two separate programs with separate applications. They can both run on the same home in the same project window, but their scopes do not overlap on any single measure:

• Heating/cooling can only sit in ONE program at a time. If the homeowner wants the larger BD heat pump rebate (Clean Heat $10K, Dual Heat $5K, Hybrid Heat $2K), heating/cooling comes OUT of the Whole Home scope and into the BD scope.
• Whole Home rebate is scope-tied, not flat. Pulling heating/cooling out reduces what Whole Home covers — and reduces the Whole Home rebate accordingly. The $7,500 max applies only when Whole Home includes a comprehensive scope (typically envelope + HVAC + water heater).
• Rebates do NOT stack on any measure. There is no "$7,500 + $10,000 = $17,500" path. The two programs each pay for the measures within their own scope.
• On-Bill Repayment (OBR) financing IS stackable — up to $75K combined ($25K standard for Whole Home + $50K for the BD heat-pump portion). Financing stacks; rebates don't.
• PSE&G BD is PSE&G electric customers only. JCP&L, ACE, and Rockland customers cannot enroll in BD regardless of Whole Home eligibility.
• Within the BD program family, the three sub-programs (Clean Heat / Dual Heat / Hybrid Heat) share exclusiveGroup: "pseg-bd" — only the highest-value applicable program counts per project.

How the agent should apply it

1. Treat Whole Home and BD as separate tracks in the recommendation output. Do not surface BD as a bdAddon field on the Whole Home track — that framing implied stacking.
2. When the user's situation indicates both programs may apply (PSE&G electric customer + comprehensive project including HVAC), present the choice explicitly:
   • Track A1: Whole Home with HVAC in scope — full $7,500 Whole Home rebate, no BD on heating/cooling.
   • Track A2: Split scope — Whole Home for envelope/HPWH + BD for heating/cooling — reduced Whole Home rebate (scope-shrunk) + BD heat pump rebate ($10K Clean Heat / $5K Dual / $2K Hybrid). Net rebate may be higher when BD applies.
3. Compute both A1 and A2 dollar totals so the homeowner can see the trade-off. The recommendation should be the higher-value track for THAT homeowner's project.
4. Surface OBR financing total as the sum of both program caps when both projects are in play: obrTotal = $25K + (heat-pump-eligible? $50K : $25K) — capped at $75K. Present financing total separately from rebate totals.
5. Within BD, dedupe by exclusiveGroup: "pseg-bd" — keep only the highest-value applicable BD program (typically Clean Heat $10K when the project fully decarbonizes; otherwise Dual or Hybrid).
6. LMI tier on BD ($80K income cap → $12K Clean / $6K Dual / $3K Hybrid) is surfaced via lmiBonus on the BD track per rules/lmi-eligibility.md.

Caveat copy

When presenting the split-scope alternative, agent uses:

"PSE&G's Building Decarbonization rebate is a separate program from Whole Home — they're two projects on the same home. Choosing BD for your heat pump means heating and cooling come out of the Whole Home scope, which reduces the Whole Home rebate but adds the larger BD rebate. We work the math both ways and confirm the best path during your free consultation."

When the user asks whether the two rebates stack:

"The rebates don't combine for the same equipment, but the two programs can run side-by-side on the same home. Financing stacks — up to $75,000 in 0% On-Bill Repayment when both programs apply. Exact eligibility verified during your free consultation."