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    Florida PACE Guide

    PACE Financing in Florida: A Homeowner's Guide

    What Property Assessed Clean Energy (PACE) is, what it can fund, how repayment actually works on your Florida property-tax bill, and the questions to ask before you sign anything.

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    What is PACE?

    PACE is financing, not a rebate, grant, or government payment

    Property Assessed Clean Energy (PACE) is a form of financing offered through state-authorized programs. In Florida, PACE is repaid as a non-ad-valorem assessment on the annual property-tax bill for the home where the improvement was installed. It is a legal financial obligation and is never guaranteed to be approved.

    Repaid on your property-tax bill

    PACE is repaid as a non-ad-valorem assessment added to your annual Florida property-tax bill, not as a traditional monthly loan payment.

    For qualifying home upgrades

    In Florida, PACE is available for energy-efficiency, renewable energy, wind-resistance, and water-conservation improvements. Not every project qualifies.

    Approval is based on your home, not your credit score

    PACE eligibility is primarily tied to property equity, tax and mortgage history, and program-specific criteria. It is still subject to approval and disclosures are required.

    PACE is financing, not a rebate or grant

    PACE creates a legal assessment against your property. It is not a rebate, refund, government payment, or discount, and it is never guaranteed.

    D2: PACE is a financing option, not a rebate or grant. Repayment may be made through a voluntary assessment on your property tax bill. Program availability and terms vary. Consult your lender and review all disclosures before signing.

    What Can Qualify

    Common Florida upgrades that may be PACE-eligible

    Eligibility is set by each PACE program administrator and can change. The categories below are commonly available in Florida, but availability, terms, and disclosures vary by program and county. Nothing is guaranteed.

    Central AC replacement, mini-splits, high-efficiency HVAC
    Attic insulation, air sealing, duct improvements
    Impact windows, impact doors, hurricane-rated roofing
    Whole-home generators and electrical resilience upgrades
    Solar attic fans, solar water heating (program-dependent)
    Water-conservation upgrades (program-dependent)
    How It Works

    From project scope to funded install

    1

    Assessment

    We scope your project and confirm which components could be program-eligible. Not every line item on a proposal qualifies for PACE.

    2

    Application

    You apply directly with a Florida-registered PACE program administrator. Approval and disclosures are handled by the program, not by us.

    3

    Disclosure & consent

    The program provides written disclosures explaining assessment amount, term, rate, and the property-tax repayment mechanism. You sign only after review.

    4

    Installation & funding

    Once funded, we install with proper permits. Program funds the improvement and the assessment appears on your next Florida property-tax bill.

    Why Florida homeowners consider PACE

    • Approval typically tied to property equity and tax history
    • Longer repayment terms may lower annual out-of-pocket
    • Assessment can transfer with the property in some cases (program-dependent, may require mortgage lender consent)
    • Available for wind-resistance and hurricane hardening in Florida

    Important considerations

    • The assessment is a lien on your property until paid
    • May affect refinancing, sale, or mortgage payoff — check with your lender before signing
    • Total repayment amount (including finance charges) is greater than the up-front project cost
    • Not every project or program is available in every Florida county
    • PACE is never automatic and never a rebate or grant
    Stacking Support

    How PACE fits with our other funding-guidance programs

    PACE is one funding path. Depending on your situation, our team may also help you navigate utility rebates and our own proprietary programs. None of these are guaranteed, and each has its own eligibility and disclosures.

    Seniors Protection Program

    Our proprietary program for Florida homeowners aged 60+.

    Energy Affordability Program

    Proprietary program supporting energy-focused upgrades.

    Utility Rebates

    FPL, Duke, LCEC and other utility rebate program navigation.

    Florida PACE, Frequently Asked

    Is PACE a government rebate?
    No. PACE is financing that is repaid through your annual Florida property-tax bill. It is not a rebate, grant, or government payment. It is not guaranteed and is subject to program approval and written disclosures.
    What upgrades can PACE fund in Florida?
    Florida PACE programs are used for energy-efficiency, renewable energy, wind-resistance, and water-conservation improvements. Common examples include HVAC replacement, impact windows and doors, roofing, insulation, and generators. Not every project qualifies, and eligibility is set by each program administrator.
    How is PACE different from a traditional loan?
    A traditional loan is repaid to a lender in monthly installments. PACE is repaid as a non-ad-valorem assessment on your property-tax bill, usually once or twice a year. That difference has implications for your mortgage lender and any future refinance or sale.
    Does PACE affect my mortgage?
    It can. Because PACE creates a lien on the property, some mortgage servicers require written consent before a PACE assessment is placed. We recommend calling your mortgage servicer before signing any PACE agreement.
    Does Quick Air & Plumbing decide if I qualify?
    No. Program approval, disclosures, terms, and rates are set by the PACE program administrator, not by us. Our role is to help you understand which portions of your project could be program-eligible and to install properly and with permits after funding.
    Can PACE be combined with rebates or the Seniors Protection Program?
    In some cases yes. Utility rebates, manufacturer promotions, and our proprietary programs (Seniors Protection Program, Energy Affordability Program) may run alongside PACE. Availability varies and nothing is guaranteed.
    What if I change my mind after signing?
    Florida PACE programs include statutory rights of cancellation and mandatory written disclosures. Read them carefully. Do not authorize installation until you fully understand your obligations.

    D1: Financing options are subject to approval. Terms vary by provider and applicant. Rates, fees, and repayment terms depend on credit and program requirements. Ask for full terms and disclosures.

    D2: PACE is a financing option, not a rebate or grant. Repayment may be made through a voluntary assessment on your property tax bill. Program availability and terms vary. Consult your lender and review all disclosures before signing.

    Want a plain-English walk-through?

    Our funding guides will explain what could qualify, walk through program disclosures with you, and never pressure you to sign.

    Talk to a Funding Guide (877) 838-2508