Heat pumps use less energy when the difference between the source and load temperatures is small. For a ground-source heat pump (GSHP), the source temperature is prescribed by the local ground temperature. As for the load temperature, it depends on the type of heating system. In this paper, the performance of a water-to-water heat pump coupled to two different heating systems is examined. The first one is a radiant type floor heating system operating at a relative low temperature (≈30 °C). The second system uses a fan-coil unit operating at higher temperature (≈45 °C) to supply space heat. The objective of the paper is to quantify the energy savings from running a GSHP at a low load temperatures.