Residential Financing
The County of Sonoma's Energy & Sustainability office offers low-interest, no-money-down financing for home energy, water, wildfire safety, and seismic upgrades, but time is running out.
Apply before January 12, 2026.
How it works
Three simple steps to upgrade your home.
Step 1
Select your improvements + Find a contractor
Feel free to bring or send us copies of your bids; we're happy to help you compare cost and materials.
Step 2
Apply Now
- No credit checks/income verification
- 10 or 20 year term + fixed interest rate
- First payment not due until October 2026
Step 3
Sign your SCEIP contracts
Start your projects and once completed we'll issue checks payable to you, the property owner.
Eligible Improvements
Roofing Upgrades
Solar Panel Upgrades
Heat Pumps & HVAC Systems
Water Efficiency Systems
Wildfire hardening measures
Energy-efficient windows & insulation
Download a complete list of eligible improvements or, contact our team
Why Apply Now
The deadline is January 12, 2026. No applications accepted after this date.
Keep your home comfortable, safe, and energy efficient.
No money down + fixed terms Administered locally by the County of Sonoma Energy & Sustainability office.
Program Snapshot
16+ years
of residential projects supported
$100M+
in improvements financed
"A truly helpful program that makes home improvement possible for families like ours."
— Mary Anna Machi and family
Frequently Asked Questions
Everything you need to know about the program
What types of home upgrades qualify?
Eligible upgrades include permanent energy improvements (solar panels, heat pumps, HVAC), wildfire hardening measures, water efficiency systems, seismic retrofitting, energy-efficient windows and insulation, and roofing upgrades. There are over 130 qualified improvements — see the complete list here. Contact our team for more information.
How does repayment work?
The program offers fixed-term financing with repayment through property tax assessment. This means you pay back the improvement costs over time as part of your property tax bill, with no money required upfront.
Can I still apply after Jan 12?
No, applications submitted after January 12 will not be eligible for the residential financing program. However, Sonoma County E&S continues to offer resources and support for commercial projects.
How long does the application process take?
Application progress is dependent on the property owner. An application is considered complete once we’ve received all required documents, fees, bids, and signed disclosures/notices in our office. Once the required documentation is submitted, our staff will process applications in the order they’re received which can take as little as three business days.
Do I need to choose a contractor before applying?
Yes. To finalize your application, we need the amount you plan to request, as well as a bid or proposal from a licensed contractor. Working with an SCEIP-participating contractor in Sonoma County can make things move more quickly. If your chosen contractor is located outside the county, we’ll need to obtain a local comparison bid, which can add extra time to the process.
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