How Arcasa can help a family get into their dream home (and save money doing it)
Meet the Tanners and the Ortegas!
Two families, same dream: buying their first home. Both families had stable incomes, growing kids, and Pinterest boards full of nursery inspiration and backyard firepit ideas. But when it came time to buy, they hit the same wall: upfront costs.
The Tanners: The Typical Route
The Tanners fell in love with a $475,000 home in a sunny suburb. But after budgeting for a 3.5% down payment, closing costs, inspection fees, and a bit of moving cash—they realized they’d need close to $30,000 just to get the keys.
Their lender said “No problem, but you’ll need to bring all of that to the table.” The Tanners tried to scrape it together, but between student loans, daycare, and rising rent, they ended up hitting pause.
No house. No firepit. Still renting.
The Ortegas: The Brighter Path
The Ortegas? Same budget. Same kind of house. Same upfront cost wall. But their lender offered something different: a solar-integrated mortgage through Arcasa.
Here’s how it worked:
The solar system was financed into their mortgage, which freed up future cashflow they knew would've been spent later on energy bills.
The Ortegas qualified for down payment and closing costs assistance through Arcasa's program.
With just $8,500 out of pocket (instead of $30,000), they moved in.
Then came the best part…
Once the solar was installed and activated, their energy bill dropped from $327/month to $28/month. Their mortgage payment went up slightly—about $287 more per month—but the lower utility bill meant they were still ahead.
They were saving money long-term, even after unlocking financial assistance to get into their dream home.
So What’s the Big Idea Here?
Arcasa helps homeowners unlocks a smarter, faster path to homeownership. When solar is wrapped into the mortgage:
You unlock eligibility for lower upfront mortgage costs
You reduce monthly costs for utilities
You own a home and a more energy-efficient future
Let’s See the Receipts 💸
| Without Arcasa | With Arcasa |
Monthly Mortgage | $2,748 | $3,035 |
Monthly Utilities | $327 | $28 |
Borrower Cash Required | $30,000 | $8,500 |
Total Monthly Spend | $3,075 | $3,063 |
Net Monthly Savings | – | $12 |
Also utility bills tend to go up every year. In fact, over the past 25 years, electricity rates have increased by 2.67% per year, according to the U.S. Energy Information Administration.¹
So when we estimate net monthly savings using today’s utility bills, we’re actually being conservative—because future rates will likely be even higher, making solar and energy efficiency an even smarter long-term move.
Final Thought
The Tanners are still renting. The Ortegas are owning and set up for long-term savings.
Want to see what this could look like for your family? Let’s run your numbers—no pressure, just clarity.