Compare the full cost of paying for solar.

A prepaid solar lease is a single upfront payment that covers the full 25-year lease term — no monthly payments after that. The lease provider owns and maintains the system, so you have no maintenance responsibility. No credit check or FICO score is required, and no UCC lien is placed on your property. The upfront cost is typically lower than buying the same system outright because the lease provider captures commercial-scale incentives and passes the savings through to you. You can purchase the system at fair market value after year 6, and the lease transfers seamlessly to a new homeowner if you sell.

The lease provider (a commercial entity) qualifies for the federal Investment Tax Credit and other commercial incentives that individual homeowners can no longer claim after the residential ITC expired in 2025. Those savings are reflected in a lower prepaid lease price. You get the same system, same production, and same bill savings — at a lower total cost than a cash purchase.

Property Assessed Clean Energy (PACE) financing allows Palm Beach County homeowners to finance solar installations through their property tax bill. There is no separate monthly payment — the assessment is added to your annual property tax. PACE does not require a credit score check and transfers with the property if you sell. The assessment must be paid off or assumed by the buyer at closing.

It depends on the option. The prepaid lease requires no credit check at all — no FICO score, no underwriting. PACE financing also has no credit score requirement. Solar loans typically require a minimum score of 650–680, though some programs accept scores as low as 600. Your advisor will identify which programs you qualify for.

No. The federal residential solar tax credit (Section 25D) ended for homeowner expenditures after December 31, 2025. However, the commercial ITC still exists — which is why the prepaid lease can offer a lower total cost than a cash purchase. Florida's state-level incentives — sales tax exemption (FL Statute 212.08(7)(hh)) and property tax exemption (FL Statute 193.624) — remain in effect for all financing structures.

Prepaid lease: the lease transfers seamlessly to the new buyer — no credit check, no underwriting, just a simple transfer notice. Solar loan: the loan is typically paid off at closing from sale proceeds, or the buyer assumes it (subject to lender approval). PACE financing: the assessment transfers with the property and is assumed by the buyer (must be disclosed at closing). Traditional lease/PPA: the buyer must qualify to assume the agreement, or you may need to buy out at closing.

A review of your FPL usage, roof, and goals, followed by a side-by-side comparison of equipment and 2026 financing structures from vetted partners. Your actual numbers are confirmed on a property-specific basis, and there is no obligation.