Lots of good suggestions about DIY options if you’re comfortable going that route, and working with the dealer.

Definitely inquire with Dead River about financing. Tell them cash is tight but you obviously understand heat is essential and would be happy to discuss any payment plans for a tank install and/or delivery that they could offer.

Also, reach out to your local CAP — just google Maine Community Action Partners and find the one for your area — and speak with them about whether you might qualify for any assistance. There’s no shame in getting help, you’ve no doubt already paid in and will continue to do so in the future. Safety nets are here for exactly these types of situations so a bit of bad luck doesn’t turn into a spiral. Similarly, reach out to your municipality and inquire about General Assistance. They should have some funds available that could help you with this acute issue. Local churches also often have some funds that could be available to help.

In the next few weeks, look into heat pumps and/or a wood/pellet stove. Both are significantly cheaper heating options than oil. The timeline for getting an install may be weeks or months, so it’s not an immediate solution, but is one of the best things you can do to start saving yourself money on home ownership. Efficiency Maine has near-zero interest financing you can take advantage of, for those systems and insulation and air sealing, which will also cut your costs and are probably a good idea now that you have a slick new roof.

Good luck.