V.M.
You did not state if the heater was electric or gas. One possibility that might be available is that if you have the option of using either gas or electricity then you might consider contacting the opposite carrier that you are presently using and see if you switch over if they will give you a hot water heater. Some gas/electric companies will do so. Usually they provide the hot water heater and you pay for installation. If this is an option for you it is worth a try to see if anyone will take you up on the offer.
Word of caution though, check what you are currently paying with what the new charge would be and if you are required to sign some type of contract since they would be providing the unit.