PACE Property Assessed Clean Energy Financing (CaliforniaFIRST / Ygrene)

About This Program

PACE financing allows Sacramento homeowners to finance energy-efficient and water-conservation home improvements with repayment made through property tax bill assessments over 5–25 years at fixed interest rates. No credit check required for approval. Covers solar, HVAC, roofing, windows, and more. Caution: PACE is a secured lien on your property — missed payments can result in foreclosure. Rates typically 4.75–9%.

PACE is financing (loan repaid via property tax bill), NOT a grant; secured by property lien; review carefully

Key Details

• Finance solar, HVAC, roofing, windows, and energy upgrades with no upfront cost
• Repaid through property tax bill — no credit check required
• Fixed rates 4.75–9%; terms up to 25–30 years for some projects
• Caution: PACE creates a lien on your home — missed payments can trigger foreclosure
• Transfers with property sale in most cases — disclose to buyers

How to Apply

Deadline: Rolling