With the FHA Solar and Wind Technologies (SWT) program, you can save an average of $50,000 on energy bills over 25 years, increase your home's value by $15,000 (based on a $375,000 home), and get an average tax credit of $9,000 on a $30,000 solar system installation.
Verify Your FHA Solar Loan Program Eligibility
The FHA Solar and Wind Technologies (SWT) program helps homeowners add solar or wind energy systems to their homes.
You can include the cost in your FHA mortgage when buying or refinancing a home.
This program makes it easy to save on energy bills, increase home value, and benefit from tax credits—all with one simple loan.
FHA Solar Program Value Calculator - Use our easy calculator to estimate your potential savings on energy bills, federal tax credits, and the added value to your home. See how solar can save you money!
Save on Energy Bills: Solar panels can reduce electricity costs by up to $50,000 over 25 years.
Boost Home Value: Installing solar can increase your home's value by approximately 4% (about $15,000 on a $375,000 home).
Enjoy Tax Perks: Claim a 30% Federal tax credit on the system cost (about $9,000 on a $30,000 system).
Long-term Financing: Spread the cost of the energy system over 15, 20, 25, or 30 years with FHA-backed fixed-rate mortgages.
Low Down Payment: FHA loans require as little as 3.5% down for qualified borrowers.
Flexible Credit Options: FHA loans are available for borrowers with a credit score as low as 580.
Simple Process: No complex formulas, ROI calculations, or market value assessments are required to qualify.
Eligible Properties: 1-4 unit owner-occupied homes or manufactured housing (no condos).
Ownership: You must own the energy system; leases are not allowed.
Minimum Credit Score: 580.
Eligible States: AZ, CA, FL, ID, IL, KS, MO, NV, TX, and UT.
Restrictions: Cannot combine with Down Payment Assistance (DPA) programs.
The FHA Solar and Wind Technologies (SWT) program allows you to finance up to 20% of your home’s appraised value for a new solar or wind energy system.
The total mortgage, including the cost of the system, can be spread out over 15, 20, 25, or 30 years with fixed-rate terms.
This program is available for both home purchases and rate/term refinances.
The energy system must be new, and installation must be completed within 120 days after closing.
You may also qualify for the $13,000 FHA Simply Solar Loan Program, which offers select homebuyers up to $13,000 (3.5% of the purchase price) to use for anything—down payment, closing costs, paying off debt, or building savings.
This program also includes the cost of solar panels in your FHA mortgage, eliminating the need for separate financing. Homeowners enjoy lower energy bills, increased home value, and a 30% Federal Solar Tax Credit to reduce costs.
Receive up to $13,000 for your home purchase.
Lower monthly utility bills with solar panels.
Qualify for a 30% Federal Solar Tax Credit on the system cost.
Increase your home's value by up to 5%.
Simplify financing by including solar costs in your FHA loan.
Available to select homebuyers meeting FHA loan requirements.
Requires completion of a homebuyer education course and a solar energy assessment.
No, the program only covers the installation of new solar or wind energy systems. Existing systems are not eligible.
If the installation isn’t finished within the required timeframe, it may impact your eligibility for the program benefits. Be sure to work with an approved installer to meet deadlines.
No, the FHA Solar Program only finances the cost of new system installation. Maintenance and repairs are the homeowner’s responsibility.
No, the program does not require ROI calculations or evidence of cost-effectiveness to qualify.
Yes, the program allows you to refinance your current FHA loan to include the cost of a new solar or wind energy system.
While there may be standard loan fees, there are no extra fees specifically for including solar or wind system costs in your FHA mortgage.
Yes, but the installer must meet FHA program requirements and be approved to ensure the installation complies with guidelines.
In most cases, solar panels do not increase property taxes, but local rules may vary. Check with your local tax authority for confirmation.
No, the program is only available for owner-occupied properties.
The solar system becomes part of the property, potentially increasing its resale value. The new owner assumes the benefits of the system.
With decades of experience, we’ve helped thousands of homebuyers navigate the mortgage process and secure financing tailored to their needs.
Our team has successfully financed over $1 billion in home loans, giving us the expertise to guide you through every step.
We specialize in simplifying complex programs like FHA and renewable energy financing, ensuring you get the maximum benefits with minimal stress.
Whether it’s saving on energy bills, reducing upfront costs, or boosting your home’s value, we’re committed to helping you achieve your goals.
Trust us to provide personalized solutions backed by proven results and unmatched experience.
