Know Before You Sign

Solar Purchase vs. Third Party

Ownership, financing, leasing, and PPAs all put panels on your roof, but they have very different outcomes for your wallet, your home's value, and your freedom to sell.

National Solar
Cash Purchase
Full ownership. Maximum return. No monthly payments.
$0/mo after install
National Solar
Loan Financing
Own your system. Fixed payment. Often lower than your current bill.
5.99% APR 20-yr fixed · $0 down available
Third Party
Solar Lease
You rent the system. The company owns it and keeps the incentives.
Escalates typically 1–3%/yr
Third Party
PPA
Pay per kWh. Rates escalate. Company owns system and benefits.
Escalates typically 2–3%/yr
Scroll to compare all options
Cash Loan 5.99% Lease PPA
Ownership & Incentives
You own the systemAsset on your property ✓ Yes ✓ Yes ✕ No ✕ No
Oregon state incentivesRebates & net metering credits ✓ Full access ✓ Full access ✕ Limited or none ✕ Limited or none
Home value increaseAppraisal impact at sale ✓ Yes ✓ Yes ✕ No ✕ No
Costs & Payments
Monthly paymentAfter installation Base utility fee+ residual costs from utility Fixed loan payment+ residual costs from utility Fixed lease paymentescalates annually Per kWh rateescalates annually
Rate locked inProtection from future increases ✓ Forever ✓ 20 years fixed ⚠ Escalates 1–3%/yr ⚠ Escalates 2–3%/yr
20-year costTotal out of pocket Lowest Low — fixed High — escalating Highest — escalating
Upfront costRequired at signing Full system costless rebates & incentives $0 down available $0 $0
When You Sell Your Home
Impact on home saleBuyer experience ✓ Adds value ✓ Pay off or transfer ✕ Buyer must assume lease ✕ Buyer must assume PPA
Buyout optionIf you want to exit ✓ Already own it ✓ Pay off balance anytime ✕ Inflated buyout price ✕ Complex & expensive
Deals that fall throughBuyers who walk away ✓ Not an issue ✓ Not an issue ✕ Common problem ✕ Common problem
Service & Support
Workmanship warrantyInstallation & labor coverage ✓ 10 years ✓ 10 years ⚠ Varies by company ⚠ Varies by company
Panel manufacturer warrantyEquipment defect coverage ✓ 25 years ✓ 25 years ⚠ Varies by company ⚠ Varies by company
Battery manufacturer warrantyStorage system coverage ✓ 15 years ✓ 15 years ⚠ Varies by company ⚠ Varies by company
Who handles serviceWhen something needs attention ✓ Local Oregon team ✓ Local Oregon team ✕ National call center ✕ National call center
✓ Why ownership wins long-term
  • You keep all available state incentives and Oregon rebates — they stay with you, not the installer
  • Once paid off, your only costs are the base utility charge plus any residual power you pull from the grid
  • If financing, your payment is fixed for 20 years while grid rates keep climbing — the savings gap grows every year
  • Owned solar adds real, appraised value to your home — lease/PPA systems do not
  • Oregon-based service — same team that installed it is who you call, every time
✕ What leasing companies don't tell you
  • They keep all available tax credits and incentives — not you
  • Lease payments typically escalate 1–3% per year — same problem as the grid you were trying to escape
  • Up to 40–70% of buyers won't assume a solar lease — it can slow or kill your home sale
  • Buyout prices are set at inflated "fair market value," not what the system is actually worth
  • Customer service runs through national call centers with no local accountability
Your Estimate

See your numbers in 5 seconds.

Select your utility and enter your average monthly bill. We'll show you the real picture, grid projection, solar payment, and what stays on your utility bill.

$
Your grid projection — your utility
Current rate
—
per kWh · April 2026
Projected 2032 bill
—
at 6% annual increases
20-yr grid total
—
without solar
What your bill looks like with solar
Down payment
$0 by default — enter an amount to lower your payment
$
Solar loan payment (fixed, 20-yr) —
Utility base charge (only remaining bill) —
Total monthly with solar —
vs. your grid bill by 2046 —
Monthly bill — Grid vs. Solar over 20 years
Your estimated system
Recommended size
—
based on your usage
Time to install
4–6 wks
from signed contract to saving — permits, design & utility interconnection handled
Est. installed cost range
—
before incentives / rebates
Schedule your free site assessment

We'll visit your home to review your electrical panel, roof shading, and energy usage — so your estimate reflects real numbers, not guesses. We'll also walk through every utility incentive you qualify for before you make any decisions.

Preferred call date

No pressure, no obligation. We review your home, build your real numbers, and let you decide.

✅
Request received — we'll be in touch shortly.
A member of our team will reach out to confirm your site assessment. During the visit we'll review your electrical panel, roof shading, and energy usage to build accurate numbers — and walk through every utility incentive you qualify for. No obligation, ever.

Estimates use current utility rates, 6% annual escalation, 4.5 peak sun hours/day, 100% system offset, and 20-yr financing at 5.99% APR ($2.20–$3.00/W). $0 down available — money down lowers payment. Residual shown is the fixed utility base charge only. Actual results depend on roof, shading, and usage.

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