FHA Solar & Wind Technologies | One provision, almost no one uses

There's an FHA loan for solar. Most lenders never mention it.

FHA's Solar and Wind Technologies (SWT) provision lets solar get financed directly into the mortgage: 3.5% down on the home, no separate solar loan, no UCC-1 lien. Most originators have never closed one.

Run the Power Flip See the provision

3.5%

down payment, on the home price only

20%

of appraised value, max added for solar

120%

max loan-to-value under the provision

120

days post-close to complete installation

01 / THE PROGRAM

One FHA provision, three things that make it work.

The Solar and Wind Technologies provision has been in FHA guidelines for years. It's rarely used because most loan officers don't know the mechanics. Here they are.

01 / Down payment

3.5% on the home. Not the solar.

The down payment is calculated on the home's price alone. The solar system rides into the loan on top of it, without raising the cash needed to close.

No added cash to close

02 / No appraisal on the system

Solar doesn't need to appraise.

The system's cost gets added to the loan independent of the appraised value, up to 20% of it, and the loan can run up to 120% LTV to cover it.

Cost financed regardless of appraisal

03 / No lien on the panels

Real property from day one.

No UCC-1 gets filed against the equipment. Installation completes within 120 days of closing, and the system belongs to the home, not a separate creditor.

Zero UCC-1 exposure

The system doesn't need to appraise. The mortgage carries it anyway.

02 / HOW IT WORKS

One free check. One mortgage-ready number.

Run any address and QuiqNest screens it for solar viability, roof orientation, shading, and estimated system size, then applies the SWT provision's math to it: 3.5% down on the home, up to 20% of appraised value for solar, up to 120% LTV.

Want the full breakdown, lender-ready structure, and monthly payment? That's one email away. No obligation, no call required to see it.

This is the same underlying check that powers the Power Flip™: a specific, financed number for a specific address, before you write an offer.

Step 1

Enter an address

Before the tour, before the offer. Takes under a minute.

Step 2

See the eligible amount

Free, instant, no email required to see it.

Step 3

Unlock the lender-ready breakdown

Structure, monthly payment, and next steps, sent to your inbox.

03 / THE NUMBERS

FHA-financed solar vs. leased solar, side by side.

	Financed under SWT	Leased / PPA
System cost example	$26,600, added to the FHA mortgage	$0 down, monthly rent forever
Monthly payment	$156/mo, tax-deductible interest	$183/mo, rising 2–4% a year
Home value impact	+5.9% average in Florida	No consistent value increase
Time on market	13.3% faster resale	Buyer must assume lease or seller pays it off
Lien on the system	None — no UCC-1 filed	Lease/PPA agreement runs with the equipment
At resale	Conveys with the home, no transfer	Lease assumption or lien payoff required

Sources: SolarReviews 2025 (Zillow data); Rocket Mortgage / Rocket Homes listing analysis 2022; Lawrence Berkeley National Laboratory; NREL; SolarInsure 2025; EnergySage. Program terms per FHA Solar and Wind Technologies guidelines; confirm current limits with your lender.

04 / THE ONE RULE

"It's not a solar loan. It's a mortgage that already includes one."

05 / THE NEXT MOVE

See what the SWT provision covers on your next address.

Before the tour. Before the offer. Before a loan officer tells you solar needs a separate loan.

Run the Power Flip

FHA Solar Loan updates

Get notified when the SWT provision's limits change or a new lender picks it up. No spam, sent only when something material changes.