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 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).
|PACE Provider||Contact Info||Notes|
CaliforniaFIRST is an innovative partnership between your county government and a private financing company that allows you to receive upfront funding for energy efficiency, renewable energy and water efficiency improvements for your home or business -- and to repay through your property taxes over the course of up to 20 years.
|Clean Energy Sacramento||
Sanctioned by the City of Sacramento and administered by Ygrene Energy Fund, this simple property-improvement financing solution enables building owners to make energy-saving upgrades and integrate clean energy sources to offset energy related operating costs.
Solar, HVAC, Roofing, Lighting, Windows, and other energy efficiency or water conservation improvements can be funded through the Figtree program.
|Green Finance San Francisco||
As part of Energy Upgrade California, owners of commercial properties (including nonprofit-owned and multifamily rental properties with five or more units) in San Francisco have access to GreenFinanceSF, an innovative financing program that uses Property Assessed Clean Energy (or PACE) to provide funding up to 100% of the cost of building performance upgrades.
|HERO Program - Renovate America||
Communities across California offer HERO to eligible homeowners for energy efficient upgrades and improvements such as solar, HVAC, windows, roofing, water savings products and more.
|Los Angeles County PACE program||
PACE is available to Los Angeles County commercial, industrial and multi-family property owners to fund on-site energy efficiency, renewable energy and water-saving improvements.
mPOWER is a regional program to promote more efficient use of water and energy, enable property owners to reduce energy costs, and strengthen our local economy through job creation. All residential, commercial, industrial, agricultural, or multi-family residential (5 units or more) property owners located in any of Placer County’s incorporated cities or towns, the unincorporated areas of Placer County, or the City of Folsom who receive a secured property tax bill are eligible to apply.
|Palm Desert Energy Independence Program||
The Palm Desert Energy Independence Program offers home and business owners affordable financing for major energy-saving property improvements, such as high-efficiency air conditioners, dual-pane windows and solar panels. Long term payback of the improvements is linked to the owner’s property taxes.
|Sonoma County Energy Independence Program||
The Sonoma County Energy Independence Program (SCEIP) is a municipal PACE program serving all nine cities and unincorporated areas for the county. SCEIP provides financing for over ninety eligible energy efficiency, water conservation, and renewable generation improvements to existing residential and commercial properties.
Any energy-saving or renewable energy-producing improvement that is permanently affixed to the property is eligible for funding through PACE. Eligible project groups include energy efficiency retrofits, water conservation measures, and renewable energy generation systems.
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.
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 Susan Davison.
Are there any financing options beside PACE programs?
Visit our Clean Energy Financing Programs page.