Property Assessed Clean Energy (PACE) Programs

Interested in financing an energy efficiency, renewable energy or water efficiency project? Use this interactive tool to find PACE programs in your area. (Not familiar with PACE? Skip to the FAQs.)

Step 1. Choose your building type

Step 2. Type in your address/jurisdiction or click on the map below.

If you live in an unincorporated area, select your county. Each jurisdiction approves its own PACE program(s).


CaliforniaFIRST www.californiafirst.org
info@californiafirst.org
(888) 996-1744
CaliforniaFIRST offers Los Angeles County homeowners funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 25 years. In Los Angeles County, CaliforniaFIRST is a public/private financing program administered by Los Angeles County and implemented by Renew Financial.
GreenFinanceSF www.greenfinancesf.org
contact@greenfinancesf.org
(415) 355-3761
GreenFinanceSF offers commercial property owners in San Francisco funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 20 years. 
AllianceNRG Program www.alliancenrg.com
info@AllianceNRG.com
855-431-4400
Alliance NRG  offers Property Assessed Clean Energy (PACE) financing to residential property owners for energy efficiency, renewable energy water efficiency and seismic improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 30 years. 
Clean Energy Butte www.ygreneWorks.com
info@ygreneWorks.com
(877) 819-4736
Clean Energy Butte offers commercial property owners in participating communities funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 20 years. Clean Energy Butte is a public/private financing program with Ygrene Energy Fund and your city or county.
Clean Energy Chula Vista www.ygreneWorks.com
info@ygreneWorks.com
(877) 819-4736
Clean Energy Chula Vista offers residential and commercial property owners in participating communities funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 20 years for residential and 30 years for commerical properties. Clean Energy Chula Vista is a public/private financing program with Ygrene Energy Fund and your city or county.
Clean Energy CV Upgrade www.ygreneWorks.com
info@ygreneWorks.com
(877) 819-4736
Clean Energy CV offers homeowners in participating Coachella Valley communities funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 30 years. Clean Energy CV is a public/private financing program with Ygrene Energy Fund, Coachella Valley Association of Governments and your city or county.
Clean Energy Green Corridor  www.ygreneWorks.com
info@ygreneWorks.com
(877) 819-4736
Clean Energy Green Corridor offers residential and commercial property owners in participating communities funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 30 years. Clean Energy Green Corridor is a public/private financing program with Ygrene Energy Fund and your city or county.
Clean Energy Sacramento www.ygreneWorks.com
info@ygreneWorks.com
(877) 819-4736
Clean Energy Sacramento offers residential and commercial property owners in participating Sacramento communities funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 30 years. Clean Energy Sacramento is a public/private financing program with Ygrene Energy Fund, Golden State Finance Authority and your city or county.
Clean Energy Yolo  www.ygreneWorks.com
info@ygreneWorks.com
(877) 819-4736
Clean Energy Yolo offers homeowners in participating communities funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 30 years. Clean Energy Yolo is a public/private financing program with Ygrene Energy Fund, Golden State Finance Authority and your city or county.
Figtree PACE Financing  www.figtreefinancing.com
info@figtreefinancing.com
(877) 577-7373
FigTree PACE Financing offers homeowners in participating communities Property Assessed Clean Energy (PACE) financing for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 25 years. FigTree PACE Financing is a public/private financing program with FigTree Financing, California Enterprise Development Authority and your city or county.
HERO www.heroprogram.com
info@heroprogram.com
855-HERO-411
HERO offers funding to homeowners for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 20 years.
Los Angeles County Commercial PACE www.lapace.org
dleung@lapace.org
(877) 785-2237
Los Angeles County’s Commercial Property Assessed Clean Energy (PACE) financing program allows commercial property owners to finance up to 100% of the cost of installing energy efficiency, water-saving or renewable energy improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 20 years. It is offered by the County of Los Angeles.
mPower www.mpowerplacer.org
mpower@placer.ca.gov
(877) 396-7693
mPower offers homeowners funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 20 years. This program is administered by Placer County.
PACEFunding www.pacefunding.com
info@pacefunding.com
(844) USE-PACE
PACE Funding offers Property Assessed Clean Energy (PACE) financing to residential property owners for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 25 years. PACE Funding is a public/private financing program with Admirals Bank, California Statewide Communities Development Authority, and your city or county.
SAMAS PACE Capital http://samas-pace.com
(800) 645-0687
Samas PACE Capital offers Property Assessed Clean Energy (PACE) financing to commercial property owners for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 20 years. Samas PACE Capital is a public/private financing program with Renovate America, Western Riverside Councils of Government (WRCOG) and your city or county.
Sonoma County Energy Independence Program (SCEIP) www.sonomacountyenergy.org
sceip@sonoma-county.org
(707) 565-6470
Sonoma County's Energy Independence Program (SCEIP) is a PACE financing program offered by the County that allows residential property owners to finance up to 100% of the cost of installing energy efficiency, water-saving or renewable energy improvements that are permanently fixed to their property. Financing is repaid annually via the property tax bill over the course of up to 20 years.
YgreneWorks www.ygreneWorks.com
info@ygreneWorks.com
(877) 819-4736
YgreneWorks offers residential and commercial property owners in participating communities funding for energy efficiency, renewable energy and water efficiency improvements that are permanently fixed to the property. Financing is repaid annually via the property tax bill over the course of up to 30 years. YgreneWorks  is a public/private financing program with Ygrene Energy Fund, Golden State Finance Authority and your city or county.

 

To see a list of all PACE providers in California, visit our Clean Energy Financing Programs page.

Frequently Asked Questions on PACE

What is property assessed clean energy financing?

Property assessed clean energy, or PACE, financing allows property owners to fund energy efficiency, water efficiency and renewable energy projects with little or no up-front costs. With PACE, residential and commercial property owners living within a participating district can finance up to 100% of their project and pay it back over time as a voluntary property tax assessment through their existing property tax bill.

Why use PACE financing?

First, by offering up to 100% financing on qualifying improvements, PACE can eliminate the need to pay out of pocket for your project. Second, depending upon the type of improvements installed, repayment may be amortized for a period of up to 20 years, keeping your monthly payments low enough that your utility savings may exceed your payment, creating a net positive cash flow. Third, the interest may be tax deductible. Finally, because PACE ties the loan to the property and not an individual, the loan may transfer upon sale or refinancing of the property. In other words, you may not need to be concerned about recouping the cost of your improvements if you decide to sell the property before the loan is repaid.

Who can take advantage of PACE?

PACE financing is only available to property owners in certain cities or counties that have adopted a program. In general, PACE programs offer competitive financing terms to property owners with at least some equity in their home or business and have not been delinquent on their property tax or mortgage payments. For further details concerning property eligibility (residential, commercial and municipal) and financing terms, contact the individual PACE provider in your area.

Which property types can access PACE?

PACE financing can be used for residential, commercial or municipal properties, depending on what has been authorized by the local jurisdiction. Publicly owned or non-profit property owners should contact the local commercial PACE provider in your area.

Which cities and counties have PACE programs?

Click on the map to see which cities and counties have authorized PACE. (County PACE programs are available only to unincorporated parts of the county.) Many jurisdictions are working to bring PACE to their area, so be sure to check back for updates.

What products and improvements can be financed with PACE?

Eligible products that can be financed with PACE may vary by individual PACE providers and administrators. In general, most products that can be permanently affixed to a property and reduce on-site electric, gas or water consumption will be considered eligible. Some examples include attic insulation; heating, ventilation and air conditioning replacements; solar photovoltaic and thermal systems; and low-flow toilets. For questions regarding specific product eligibility, contact the individual PACE provider in your area. Often, your project must be performed by a contractor participating in the PACE program to be eligible.

What is the history of PACE in California?

In California, the first commercial and residential PACE programs were established in 2008.

The residential programs soon encountered a significant hurdle. The Federal Housing Finance Agency (FHFA) was concerned that residential PACE assessments had a lien status superior to that of existing mortgages underwritten by Fannie Mae and Freddie Mac. This meant that, in the event of a default, any outstanding PACE assessments (though not the entire amount financed) would be paid off before other liens such as first deeds of trust. 

In 2010, Fannie Mae and Freddie Mac stated that they would no longer purchase mortgage loans secured by properties with outstanding PACE loans. This effectively stopped residential PACE programs, with the exception of a few pilot programs.

Since 2010, a number of developments have facilitated a resurgence of residential PACE programs in California – including the passage of state legislation (SB 555), the implementation of legal instruments to address FHFA concerns and disclose the consequence a PACE lien can have on an existing mortgage, and the establishment of a PACE loss reserve program. Many cities and counties now have PACE programs for all three sectors (residential, commercial and municipal).

For more details, read Residential and Commercial Property Assessed Clean Energy (PACE) Financing in California, a report prepared for CSE under the U.S. Department of Energy’s Rooftop Solar Challenge Program.

The Department of Energy (DOE) published Best Practice Guidelines For Residential Pace Financing Programs (updated 7/16/16), which provides additional insight into effective PACE program design and consumer protection.

How do I get started with PACE?

View the map to check if your jurisdiction has a PACE program or view the provider list for contact information for PACE provider(s).

For questions on PACE contact Ryan Carney.

Are there any financing options beside PACE programs?

Visit our Clean Energy Financing Programs page.