If you are currently on electric heat, you get a renbate for a heat pump, catch, pay for an assessment (I'd bet buddies cut that deal).
Big rebate... (Ductless???)
The deal with heat pumps is they are a forced-air heating system, therefore ducts. Otherwise, you would have a central single vent in your central hallway, which theoretically gravitates heat through your house... Pile of crap... Had one doesn't work at all well, do ducts.
Nice added feature for 7 days/year, you have a built-in air conditioning unit.
Horse manure about grants & rebates, you must be the homeowner. Renters do not qualify. And, you cannot change fuel-sources.../ oil to hydro.. doesn't pay, except your "carbon footprint" and more importantly, the cost.
Check hot water radiators. Install pipes & rads, a small boiler, $7000, and 100% efficient.
Cheers!