Going solar with little or nothing upfront.

The federal tax credit for homeowner-owned solar ended for systems finished after December 31, 2025. New York still offers a state income tax credit of 25% of your equipment cost, up to $5,000, plus NY-Sun incentives, a sales-tax exemption and, in most towns, a property-tax exemption. Leases and power purchase agreements can still pass federal business credits through to you as a lower rate. Eric will show you exactly what applies to your home; check the tax side with your tax professional.

Yes, for qualified homeowners. Solar loans, leases and power purchase agreements can all start with no money down. Each works differently, so Eric walks you through what you would pay over time with each option.

A loan or cash purchase means you own the system and keep its incentives, which usually gives the best long-term return. A lease or power purchase agreement means a third party owns it, so you pay a set monthly amount or rate, with little or nothing upfront and maintenance included.

New York gives a state income tax credit of 25% of your qualifying equipment cost, up to $5,000, for a system at your main home. If the credit is more than you owe in one year, the rest carries forward for up to five years.

A year of electric bills is the most helpful thing. If you are thinking about a loan, a rough idea of your budget and credit helps Eric compare options with you.