Financing Your Sustainable Home
Discover the best financing options, incentives, and programs to make your sustainable home in Florida affordable and achievable.
Compare Loan Options Side by Side
Use our interactive tool to compare different financing options for your sustainable home
Traditional Financing Options
Standard home loans that can be used for sustainable homes. Typically require good credit scores and 10-20% down payment.
Rates: 5.5-7.5% (as of May 2025)
Government-backed loans with lower down payment requirements (3.5%) and more flexible credit requirements.
Rates: 5.75-7.75% (as of May 2025)
Green Financing Options
Special mortgages that credit a home's energy efficiency in the mortgage itself, allowing you to finance energy-saving improvements as part of your home loan.
- Available through FHA, VA, and conventional loans
- Can finance up to 15% of home value for improvements
- Requires energy assessment
Property Assessed Clean Energy financing allows homeowners to finance energy efficiency upgrades through an assessment on their property tax bill.
- Available in select Florida counties
- 100% financing with no money down
- Stays with the property if you sell
Florida-Specific Programs
First-Time Homebuyer Program
Offers low-interest rate mortgage loans and down payment assistance to first-time homebuyers, with additional benefits for energy-efficient homes.
Florida Hometown Heroes Program
Provides down payment and closing cost assistance to essential workers, including teachers, healthcare workers, and first responders.
Mortgage Credit Certificate (MCC) Program
Offers a tax credit of up to $2,000 per year for the life of your mortgage, reducing your federal income tax liability.
Case Studies: Real Florida Homeowners
The Martinez family used an Energy Efficient Mortgage to finance their sustainable tiny home with a 5kW solar system.
Home Cost:
$180,000
Down Payment:
$18,000 (10%)
Monthly Payment:
$1,050
Monthly Savings:
$175 (energy)
The Johnsons combined a conventional mortgage with PACE financing for their off-grid container home with rainwater harvesting.
Home Cost:
$220,000
Down Payment:
$44,000 (20%)
Monthly Payment:
$1,180
Monthly Savings:
$210 (utilities)
Frequently Asked Questions
Ready to Finance Your Sustainable Home?
Connect with lenders specializing in green mortgages and sustainable home financing in Florida.