PACE Air Conditioning Financing

PACE - Property Assessed Clean Energy Program

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Air Pros provides an array of financing options in the local area. One such option is the property assessed clean energy (PACE) model. This is a mechanism for financing energy efficiency and renewable energy improvements on private property. PACE programs are applicable to:

  • Commercial properties (Otherwise known as Commercial PACE or C-PACE)
  • Residential properties (Also known as Residential PACE or R-PACE)

Commercial and residential PACE programs share a few traits. These allow a property owner to finance the up-front cost of energy or other eligible improvements on a property and then pay the costs back over time through a voluntary assessment. The unique characteristic of PACE assessments is that the assessment is attached to the property rather than an individual. With Air Pros AC financing, you can benefit from the PACE model

To further understand PACE AC financing, here is the essential information:

PACE air conditioning financing adheres to an existing structure called a "land- secured financing district." This is also often referred to as an assessment district, a local improvement district, or other similar phrases. In a conventional assessment district, the local government issues bonds to provide projects with funding, particularly those with a public purpose such as streetlights, sewer systems, or underground utility lines.

The recent extension of this financing model to energy efficiency and renewable energy allows property owners to ensure improvements without having to fork up a large up-front payment in cash. Property owners that choose to participate in a PACE program repay their improvement costs over a set time period—typically 10 to 20 years—through property assessments, which are secured by the property itself and paid as an addition to the owners' property tax bills. Nonpayment generally results in the same set of repercussions as the failure to pay any other portion of a property tax bill.

A PACE assessment is a debt of property. This ties the debt to the property as compared to the property owner(s). In turn, the repayment obligation may switch with property ownership if the buyer assumes the PACE obligation and the new first mortgage holder allows the PACE obligation to remain on the property. This can resolve a key disincentive to investing in energy improvements, such as PACE air conditioning financing. That is because many property owners are hesitant to make property improvements if they think they may not stay in the property long enough for the resulting savings to cover the upfront costs. With PACE AC Installation financing, you can reap the rewards of energy-efficient improvements.


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  • Provides secure financing of comprehensive projects over a longer period, making more projects cash flow positive.
  • Offers repayment over many years seldom requires an upfront payment and removes the requirement that the debt be paid at the sale or refinance.
  • It can lead to low-interest rates due to the high security of loan repayments attached to the property tax bill.
  • Assistssome property owners reduce payments from their income tax liability.
  • It offers municipalities to encourage energy efficiency and renewable energy without putting general funds at risk.
  • Accesses large sources of private capital.


  • Available only to property owners.
  • Cannot finance portable items (screw-in light bulbs, standard refrigerators, etc.).
  • May require dedicated local government staff time.
  • May lead to high legal and administrative setup obligations.
  • Not for investments below $2,500.
  • Potential resistance by lenders/mortgage-holders whose claims to the property may be subordinated to the unpaid assessment amount should the property go into foreclosure.

Commercial PACE

The C-PACE programs are available in several states, regions, and local governments. Programs may differ across several dimensions, such as the level of organization (statewide vs. local programs), financing structures, and eligible measures. More than 35 states plus the District of Columbia have C-PACE enabling legislation. In addition, an excess of $800 million in projects have been financed.

Residential PACE

Residential PACE allows our clients seeking PACE air conditioning installation financing to have energy efficiency, renewable energy and other eligible improvements on their homes through the use of private sources of capital. PACE programs are typically enabled through state legislation and authorized at the local government level. Municipalities may directly administer residential PACE programs, or through public-private partnerships with one or more PACE providers.

As of 2019, over 200,000 homeowners have made $5 billion in energy efficiency and other improvements for their homes through PACE financing, which includes Air Pros AC financing using the PACE model. Typical home improvement projects are replacement of broken or failing heating and cooling systems and hot water heaters; air sealing and insulation; ENERGY STAR doors, windows, roofing; ENERGY STAR appliances; solar photovoltaic systems; and water conservation and resiliency measures (e.g., seismic retrofits and wind hazard protection). Residential PACE financing programs are currently available in the following states:

  • California (10 active programs)
  • Florida (4 active programs)
  • Missouri (3 active programs)
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Large garage? Consider removing this space from AC size calculation



Rheem and Trane are good starting points, but call us or further advice.



Number of people living in your home can play into size calculations, but not much.



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Not sure where to start?

These are top three units based on price, features and customer feedback. Any one of these units would serve you well. Based on your home size and personal home comfort climate preferences we can advise you further.



Less than 1000 ft.



1000 to 2000 ft.



More than 3000 ft.


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