San Diego

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City of San Diego Property Assessed Clean Energy (PACE) Program

Loans to help you become more energy and water efficient

Property Assessed Clean Energy (PACE) programs help residential and commercial property owners finance energy efficiency, water conservation, renewable energy and electric vehicle charging projects. Unlike personal home equity loans, PACE loans are attached to the property, paid back through your tax bill and are passed along to the next owner when your property is sold.

Supported by the City of San Diego’s Climate Action Plan (CAP), PACE programs help the City promote quality green jobs while also helping residents and businesses reduce their energy costs and environmental impact.

Approved City of San Diego PACE Providers

City of San Diego residents and businesses can select from the following list of providers who have been authorized by the City of San Diego to provide PACE financing:

Program Provider


AllianceNRG logo


Residential & Commercial

CaliforniaFirst logo


Residential & Commercial

Clean Fund logo

Clean Fund


Energy Efficiency Equity (E3) logo

Energy Efficiency Equity (E3)


Figtree Financing logo



Hero logo



spruce logo



Ygrene logo


Residential & Commercial

PACE Eligibility and Advantages

Eligibility and terms vary among providers (borrowers must own at least 10 percent equity in their property) and borrowers are encouraged to do their research to find a program that serves them best. Some of the advantages of PACE financing include:

  • Zero $ down with 100% financing options
  • Flexible repayment terms ranging from 5 to 30 years
  • No prepayment penalties
  • Financed amount doesn’t appear on credit report and approvals are not based on credit scores.

PACE Loan Uses

PACE loans can be spent on a range of energy and water projects from solar energy and reflective "cool" rooftops, to insulated windows, low-flow toilets and desert-friendly landscaping. Some examples include:

  • Installing renewable energy (solar, wind, GeoThermal)
  • HVAC upgrades
  • Insulation upgrades
  • Electric vehicle charging station installation
  • Window and door upgrades
  • Lighting upgrades
  • Pool equipment upgrades
  • Drought-tolerant landscaping installation and irrigation upgrades

Different PACE providers vary on what they cover, so review the options to find one that suits your needs.

Legislated Backing

PACE financing programs are set up and administered under the Improvement Act of 1911 as amended by AB 811, which allows assessment districts to provide financing for clean energy and water conservation improvements on private property.

Program Contact

Please contact the individual SASH or PACE provider to discuss their program offerings. For questions related to your tax bill, please see the Office of the City Treasurer.

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