$
%
$
$
%
years
$
Financed principal$25,000
Monthly loan payment$239
Total out-of-pocket over loan$42,978
Financing premium vs verified cash cost$17,978
Dealer fee dollars$0
Project price after fee/incentives$25,000
First-year avg. energy savings$150/mo
Payment minus first-year savings$89/mo
This is an amortization and comparison tool, not a lending offer. Enter only incentives you have verified for your property and contract. Home Solar Atlas does not automatically apply the expired residential Section 25D federal credit to a 2026 project.
Why compare the loan against the cash price?
A solar proposal can advertise a low APR while increasing the financed system price with a dealer fee. Ask for both the cash price and financed price, then compare the total amount paid over the loan term.
Financing guides before you sign
Use this with the other Home Solar Atlas tools
Estimate first-year savings with the Home Solar Calculator, model long-term economics with the Solar Payback Calculator, and check a contractor proposal with the Solar Quote Analyzer.