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Empowering Smarter Homes

Spruce PACE empowers governments to help homeowners, businesses and communities.

Solar panels on roof

Spruce PACE for Solar

Spruce PACE for solar allows homeowners to finance residential solar PV systems with no upfront costs. Homeowners pay back the financing through a new line item on their property tax bill.

Download the Spruce PACE Homeowner Handbook.

Spruce PACE Availability

Spruce PACE is currently available through the California Statewide Communities Development Authority (CSCDA) Open PACE platform in the following counties and cities.

Alameda County

  • Alameda County (unincorporated)
  • Albany
  • Berkeley
  • Dublin
  • Fremont
  • Hayward
  • Newark
  • Oakland
  • Piedmont
  • San Leandro
  • Union City

Amadore County

  • Ione

Butte County

  • Butte County (unincorporated)
  • Chico
  • Oroville
  • Paradise

Contra Costa County

  • Brentwood
  • Concord
  • Danville
  • El Cerrito
  • Hercules
  • Lafayette
  • Martinez
  • Moraga
  • Pinole
  • Pittsburg
  • Pleasant Hill
  • Richmond
  • San Ramon

El Dorado County

  • El Dorado County (unincorporated)
  • Placerville
  • South Lake Tahoe

Fresno County

  • Clovis
  • Fresno – coming soon
  • Reedley
  • Selma

Glenn County

  • Orland

Humboldt County

  • Arcata
  • Blue Lake
  • Eureka
  • Humboldt County (unincorporated)

Imperial County

  • El Centro
  • Imperial
  • Imperial County (unincorporated) – coming soon

Kern County

  • Bakersfield – coming soon
  • Kern County (unincorporated)

Kings County

  • Corcoran
  • Hanford
  • Lemoore

Los Angeles County

  • Agoura Hills
  • Azusa
  • Beverly Hills – coming soon
  • Bellflower – coming soon
  • Claremont
  • El Monte
  • Glendale
  • Glendora – coming soon
  • La Verne
  • Lancaster
  • Los Angeles
  • Monterey Park
  • Rolling Hill Estates – coming soon
  • Pico Rivera – coming soon
  • Santa Monica
  • Walnut
  • West Covina – coming soon
  • West Hollywood

Madera County

  • Madera
  • Madera County (unincorporated)

Marin County

  • Belvedere
  • Fairfax
  • Larkspur
  • Marin County (unincorporated)
  • Mill Valley
  • Novato
  • San Anselmo
  • San Rafael
  • Sausalito
  • Tiberon

Mendocino County

  • Ukiah

Merced County

  • Atwater
  • Los Banos

Mono County

  • Mono County (unincorporated)

Monterey County

  • Monterey County (unincorporated)

Napa County

  • Napa
  • Napa County (unincorporated)

Orange County

  • Aliso Viejo – coming soon
  • Anaheim
  • Brea
  • Buena Park
  • Fountain Valley – coming soon
  • Laguna Beach
  • Laguna Hills
  • Placentia – coming soon
  • Stanton

Riverside County

  • Banning – coming soon
  • Calimesa – coming soon
  • Canyon Lake
  • Cathedral Ccity
  • Coachella
  • Corona – coming soon
  • Eastvale – coming soon
  • Hemet – coming soon
  • Indian Wells
  • Jurupa Valley
  • La Quinta
  • Lake Elsinore – coming soon
  • Menifee – coming soon
  • Moreno Valley
  • Murrieta – coming soon
  • Norco – coming soon
  • Palm Desert
  • Palm Springs
  • Perris – coming soon
  • Rancho Mirage
  • Riverside
  • Riverside County (unincorporated)
  • San Jacinto
  • Temecula – coming soon
  • Wildomar – coming soon

Sacramento County

  • Citrus Heights
  • Rancho Cordova
  • Sacramento
  • Sacramento County (unincorporated)

San Bernardino County

  • Adelanto
  • Apple Valley (coming soon)
  • Barstow
  • Big Bear Lake
  • Chino
  • Chino Hills
  • Colton
  • Fontana
  • Hesperia
  • Highland
  • Montclair
  • Ontario
  • Rancho Cucamonga
  • Redlands
  • Rialto
  • San Bernardino County (unincorporated)
  • Twentynine Palms
  • Upland – coming soon
  • Victorville – coming soon

San Diego County

  • Carlsbad
  • City of San Diego
  • El Cajon
  • Escondido
  • Encinitas – coming soon
  • Imperial Beach
  • La Mesa
  • National city
  • Oceanside
  • Poway
  • San Diego County (unincorporated)
  • Santee – coming soon
  • Solana Beach
  • Vista – coming soon

San Francisco County

  • San Francisco – coming soon

San Joaquin County

  • Lodi
  • Manteca
  • Tracy

San Mateo County

  • Belmont
  • Brisbane
  • Burlingame
  • Colma
  • Foster City
  • Pacifica
  • Redwood City
  • San Carlos
  • San Mateo
  • San Mateo County (unincorporated)
  • Town of Atherton
  • Town of Portola Valley

Santa Barbara County

  • Santa Barbara – coming soon

Santa Clara County

  • Campbell
  • Gilroy

Santa Cruz County

  • Santa Cruz
  • Santa Cruz County (unincorporated)

Sisikiyou County

  • Dunsmuir
  • Mount Shasta
  • Weed
  • Yreka

Solano County

  • Benecia
  • Vallejo

Sutter County

  • Yuba City

Tulare County

  • Dinuba
  • Lindsay
  • Porterville
  • Tulare
  • Visalia – coming soon

Yuba County

  • Yuba County (unincorporated)

Ventura County

  • Thousand Oaks

Qualified, Local Contractor Network

Our financing is available through a national network of verified channel partners.

Spruce PACE FAQs

Can I use any contractor to install an eligible project?

No. Spruce has a rigorous vetting process to ensure contractors within our network are honest, thorough and provide high quality work. Contractors must be properly licensed and bonded with the Contractors State License Board, and registered with the Spruce PACE Program in order to install eligible projects.

We pride ourselves on being leaders in consumer protection. Our General Counsel chairs the Consumer Protection Committee of the national solar trade association (SEIA).

See Section 2.5 of the Homeowner Handbook for more information.

What are the eligibility criteria for PACE financing?

Eligibility requirements for residential properties include:

  • Minimum of 10% equity in property (mortgage-related debt below 90% of property value).
  • Mortgage payments and property taxes are current.
  • No more than one 30-day mortgage late payment in the past 12 months.
  • No more than one late property tax payment in the past 3 years.
  • No outstanding involuntary liens, such as tax liens or mechanic’s liens over $1,000.
  • Property isn’t an asset in an active bankruptcy.
  • No active bankruptcies in the last 7 years. If a bankruptcy was discharged 2 to 7 years prior, and the homeowner hasn’t had any late payments in the last 24 months (more than 60 days past due), the homeowner may be approved.

See Section 2.2 of the Homeowner Handbook for more information.

How is PACE financing different than just paying with a credit card?

Unlike credit cards, PACE doesn’t have credit score requirements. Instead, interest rates are based on the financing term and are fixed.

With terms up to 30 years, PACE gives you more time and lower payments compared to other financing methods like credit cards.

Where will my PACE payments appear and what is included in those payments?

Payments due for PACE will appear on your tax bill as one line item called “Spruce PACE.” The amount shown on this single line includes the cost of the eligible improvements plus all interest and fees.  

If you escrow your property taxes through your mortgage provider, you may want to notify them to increase your monthly impound to account for the increase in your tax bill due to the PACE assessment.

For a detailed explanation of these costs, see Section 4.3 of the Homeowner Handbook.

Can I sell or refinance if I have a PACE assessment?

Yes. Properties with PACE assessments can be sold or refinanced at any point. Remaining PACE assessment balances can be paid off or transferred to the new owner. The process depends on lender criteria: some lenders and/or buyers require the outstanding assessment balance to be paid off when a homeowner refinances or sells a home.

Limited subordination may be available for some homeowners looking to sell their homes or refinance their mortgages.

See section 7.4 of the Homeowner Handbook for more information.

Does a PACE assessment affect the home buying or selling process?

Yes. Listing agents should disclose that there’s an additional tax assessment on the property tax bill and explain that savings help offset the assessment. Homeowners may be able to transfer any remaining balance to the buyer when they sell their home. The buyer’s lender may allow the transfer to the buyer, or they may require the balance to be paid off or partially paid off.

See section 7.4 of the Homeowner Handbook for more information.

Since the PACE assessment is paid through my property tax bill, is it tax-deductible?

The interest on a PACE assessment  may be deductible. You’re urged to consult a tax advisor regarding the deductibility of such payments.

Where can I go to learn more about PACE?

There are several resources available for additional information. For the most comprehensive guide to Spruce PACE, please review the Homeowner Handbook.

You can also visit our website sprucefinance.com or call 888.532.1347.

Program call center hours:
Monday-Friday 5am-6pm PT