San Francisco Department of the Environment

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Finance Your Energy-Saving and Water-Saving Home Upgrades

The City of San Francisco’s Property Assessed Clean Energy (PACE) financing program helps homeowners finance energy-saving, renewable-energy and water-saving home upgrades.

Whether you are looking to replace a broken furnace, add insulation to a chilly home, or install solar panels, PACE is a smart - and simple - way to make it happen. 


  • No down-payment and no minimum credit score 
  • Easy payments through your property tax bill
  • Lower utility bills
  • Verified contractors and consumer protection
  • Supported by the City and County of San Francisco

Get Started:

  1. Choose a vetted PACE Financing Partner:
  2. Connect with an approved contractor and plan your project
  3. Apply for PACE financing - takes about 5 minutes
  4. Choose your terms and sign your financing documents
  5. Complete your project and enjoy the benefits 

Learn more about San Francisco's PACE program:

Hear from a San Francisco homeowner about their experience with PACE: 

PACE Financing Covers: 

  • Heating and cooling 
  • Solar panels 
  • Insulation
  • Roofing
  • Windows
  • Electric vehicle charging stations
  • Drought tolerant landscaping
  • Greywater systems
  • Earthquake retrofits
  • And much more

Our home. Our city. Our planet.