Take the first step toward owning an energy-efficient home today!
Verify Your FHA Solar EcoSmart Loan Eligibility
Up to $13,000 Assistance: Cover down payments or closing costs.
Save $200+/Month: Lower energy bills with solar power.
30% Tax Credit: Reduce solar costs and maximize your savings.
The FHA EcoSmart Solar Program is designed to help you finance your home and adopt energy-efficient solutions.
With this program, you can receive up to $13,000 (3.5% of the home’s purchase price) to use for any purpose, including your down payment, closing costs, paying off debts, or building savings.
FHA Ecosmart Solar Program Calculator - Find out if you qualify for up to $13,000 in assistance with the FHA Ecosmart Solar Program. Use our quick calculator to check your eligibility for solar and home financing benefits.
This program also makes it easy for you to go solar by including the cost of solar panels in your FHA mortgage.
You won’t need separate loans or upfront payments, simplifying the process and making energy-efficient home ownership more affordable for you.
$13,000 Financial Assistance: Receive up to 3.5% of the home’s purchase price, capped at $13,000, for down payments, closing costs, savings, or debt repayment.
Lower Monthly Energy Costs: Reduce utility bills by $200 or more per month, saving up to $12,000 over five years.
30% Federal Solar Tax Credit: Get 30% of your solar installation costs back as a tax credit. A $40,000 system could save you $12,000 in taxes.
Increased Home Value: Boost your property’s value by about 5%. A $300,000 home could gain an extra $15,000 in market value.
Simplified Solar Financing: Roll the cost of solar panels into your FHA loan, avoiding separate financing or upfront costs.
Start online by confirming your eligibility for the program. Check if it’s available in your area and ensure your property meets the requirements.
Take a 6-8 hour online homebuyer education course to learn about homeownership and solar energy. Completing this course is a key step in qualifying for the program.
Arrange for a solar expert to evaluate your home, confirming solar panels will meet program standards and save you money. Once your loan is finalized, solar panels will be installed within 90 days, so you can start saving on energy bills quickly.
Minimum credit score of 580.
Down payment of at least 3.5%.
Debt-to-income ratio below 43%.
Complete a 6-8 hour online homebuyer education course ($149).
Schedule a solar energy assessment for eligibility.
Roll solar panel costs into your FHA loan.
Panels must be purchased, not leased.
Install solar panels within 90 days of closing.
Verify program availability in your region.
The FHA EcoSmart Solar Program is an FHA-insured mortgage that provides eligible homebuyers with up to $13,000 in assistance, equivalent to 3.5% of the purchase price.
To qualify, borrowers must meet a minimum credit score requirement of 580 and maintain a debt-to-income ratio no higher than 43%.
A down payment of at least 3.5% of the home’s purchase price is required. The interest rate is determined by the lender, and solar panel costs must be included in the FHA loan.
These loan terms are provided for informational purposes only and may not represent a complete or comprehensive description of the program. Specific terms, conditions, and eligibility requirements may vary by lender and location. Please consult with a qualified loan officer for accurate and up-to-date details.
The program combines FHA-insured loans with energy-efficient benefits, offering up to $13,000 in assistance and financing for solar panels.
Eligibility is based on meeting FHA loan requirements, including a minimum credit score of 580, a debt-to-income ratio below 43%, and program availability in your area.
The funds can be used for any purpose, including down payments, closing costs, debt repayment, or building savings.
Yes, the program requires the inclusion of solar panels, with the cost rolled into your FHA loan.
No, the program only allows for the purchase of solar panels, not leasing.
You must complete a 6-8 hour online homebuyer education course, which costs $149, to qualify for the program.
Solar panels must be installed within 90 days of closing on your home.
The program is only available in certain regions. You’ll need to verify its availability in your area.
The primary focus is on solar panel installation, but additional energy-efficient improvements may be eligible depending on FHA guidelines.
Start by verifying your eligibility online, completing the homebuyer education course, and working with a loan officer to finalize your FHA loan and solar financing.
Our team has a proven track record of helping homebuyers navigate a variety of financing programs tailored to their needs.
With over $1 billion in home loans successfully processed, we have the expertise to make the process smooth and straightforward.
We specialize in programs that combine traditional FHA financing with energy-efficient solutions, such as solar panel integration.
By leveraging these options, we can help you minimize upfront costs, reduce monthly utility bills, and enhance your home’s value.
Whether you’re looking to lower your expenses or take advantage of innovative homeownership programs, we’re here to provide clear guidance and support at every stage.
Start by checking your eligibility online today—it's fast, simple, and a great way to begin your journey to affordable homeownership.
