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Beautiful house at twilight with warm lights glowing from windows, surrounded by white picket fence and green lawn under a dramatic sunset sky
$18,500*

That's what the average homebuyer unlocks when they take advantage of our Energy-Smart DPA.

Ready to buy a home?

Find Out In Our 2-Minute Homebuyer Quiz

Take the Quiz

Down Payment Assistance Calculator

See how much support you could unlock. Get a quick snapshot of potential down payment assistance and added solar value.

$400,000
$100,000$1,500,000
3.5%
3%5%
Unlocked Grant Funds
$14,000
*Subject to program availability and qualification requirements

There are many paths to buy a home.

Why Choose Arcasa?

Down Payment Help
No Income Caps
Savings from Solar
No Second Liens
One Simple Payment
Own vs. Rent
Unlock Funds for Your Home

COMPARE YOUR OPTIONS

See How Arcasa Stacks Up

Arcasa Logo
LEGACY
LENDING
LEGACY
SOLAR
Thousands in Arcasa Incentives
Option for Down Payment Support
Option for Interest Rate Buy Down
Option for Zero Dollar Down Closing
Save on Utility Costs
Higher Appraisal Value
One Loan Payment
No Second Lien
Rely Less on Power Company
Lower Carbon Footprint

Why (and How) Arcasa Makes Affordable Homeownership Possible

At Arcasa, we believe the affordability crisis has gone on long enough. That's why we help buyers unlock grants with solar—covering down payments and closing costs so families can move in today.

FAQs for Buyers

No. Arcasa works with any qualified FHA or eligible buyer — first-time or repeat.
Abstract illustration of two silhouetted figures against a gradient background with a house key, representing the journey to homeownership

How It Works

Get into your dream home with our simple three-step process

1

Apply & Qualify

Work with an Arcasa-approved lender to get a standard FHA mortgage (620+ credit score, no income or location limits).

2

Get Down Payment Assistance

Arcasa provides 3.5%+ of the home price toward your FHA down payment so you can close with little or $0 out of pocket.

3

Solar Installed, Move In

After you move in, Arcasa installs solar, giving you a monthly utility savings and a boost in your home's overall equity.

No upfront costs • No hidden fees • Move in on time

Ready to Buy Your Dream Home?

Discover how down payment assistance unlocked through solar can make homeownership affordable.