I got our oil removed and heat pumps installed through masssave last fall.
I ended up getting 5 quotes that varies from $20k-50k. Two of the installers wanted to do ducted systems and eventually we ended up around $30k with a good installer.
We paid the 10k as a down payment in November. Got the 0% interest loan about $150/month. We just got the rebate check in the mail. And 150/mo plus the new electric rate is still cheaper than oil. Long term I’m hoping it will pay for itself.