Primary Blog/down payment assistance/Buy a Home, Add Solar, and Get Up to 5% Toward Your Costs — All in One Loan

Buy a Home + Get Solar + Get Help with Your Costs (All in One Loan!)

If you’ve been thinking about buying a home but feel stretched on cash… this program could be a game-changer. Let's dive into the details!

What Is This Program?

This is a special FHA loan bundle that allows you to:
🔹Buy a home (not just for first-time buyers)
🔹Finance solar panels directly into your mortgage
🔹Receive up to 5% of the purchase price to cover: Down payment and closing costs

🔑And here’s the key…that assistance is fully forgiven after just 90 days!

How It Works (Simple Version)

1. You get pre-approved like a normal FHA loan
2. A solar system is added to the home (rolled into your loan)
3. You receive up to 3.5%–5% assistance to help cover your upfront costs
4. You close on the home with less money out of pocket
​5. Solar gets installed after closing (within ~120 days) and your assistance is forgiven after 90 days.

What You Get (The Real Benefits)

1. Help With Your Cash to Close
🔹Up to 5% of the purchase price
🔹Can be used for: Down payment and Closing costs
🔹Fully forgiven after 90 days

​👉 This is huge if your biggest barrier is “I don’t have enough saved.”

2. Lower Monthly Expenses (Solar Savings)
🔹Reduced electricity bills
🔹Protection against rising utility costs
🔹More predictable monthly expenses

3. Increased Home Value
🔹Homes with solar often: Sell for more and are more attractive to buyers later

4. One Loan, Not Multiple Headaches
🔹No separate solar loan
​🔹 No separate financing
🔹Everything is bundled into your mortgage

4. One Loan, Not Multiple Headaches
🔹No separate solar loan
​🔹No separate financing
🔹Everything is bundled into your mortgage

Key Things to Know

Primary residence only (not for investment properties) + solar cost is capped (can’t exceed ~20% of the home value)

Works for: Home purchases, some refinances and must qualify like a standard FHA loan

Who This Is Perfect For

✅Not just for first-time buyers
✅Minimum credit score: typically ~580+
✅Primary residence only
✅Must qualify under standard FHA guidelines
✅Solar cost capped at ~20% of home value

Ready to Get Started?

Schedule a FREE one-on-one call with me or get started now by applying with our FREE online mobile app.

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John King — Loan Consultant / Branch Manager
NMLS #453426 | Branch NMLS #2468578 | Company NMLS #3029
CrossCountry Mortgage, LLC

CrossCountry Mortgage, LLC does business in the State of New York as CrossCountry Financing. Licensed Mortgage Banker – NYS Department of Financial Services. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans are subject to underwriting approval. Certain restrictions may apply. Call for details. Certificate of Eligibility is required for VA loans.
NMLS Consumer Access: https://www.nmlsconsumeraccess.org

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