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What Happens If I Move into a House with Solar Panels?

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Written by DeMario Jackson
Updated over 3 weeks ago

Moving into a home with solar panels can be a great opportunity to benefit from clean energy and reduced utility bills — but what that means for you depends on how the system was originally financed: purchased or leased.

🔍 First Things First: Review the Solar Agreement

Before closing on the home, it’s important to request and review the solar contract. This document will clarify:

  • Whether the system was purchased, leased, or financed through a special program like a PACE loan

  • What your responsibilities will be as the new homeowner

  • If there are any payments or obligations that transfer with the property

Also, check with the home’s utility provider to confirm whether net metering is offered — this allows you to receive credit for excess energy your system produces.

☀️ If the Solar System Was Purchased

If the previous homeowner purchased the system outright, you're in luck — the system should already be permitted, inspected, and fully operational. You’ll start generating solar power as soon as you move in.

What to Check:

  • Warranty Transferability:

    • Can the system’s warranty be transferred to you?

    • If so, ask the seller or installer for instructions on how to complete the transfer.

    • If not, understand what options you have if the system ever needs service.

  • System Monitoring:
    You may need to provide a stable Wi-Fi connection so the system can be monitored by the warranty provider or installer.

  • Contact Information:
    Ask the seller for the name and contact information of the solar installer or warranty provider so you have support if needed.

Special Note: PACE Loans

If the system was financed through a PACE (Property Assessed Clean Energy) loan, the repayment is made via property tax assessments.

  • Confirm with the seller whether they plan to pay off the loan before the sale, or if the remaining balance will transfer to you.

  • You may choose to negotiate this during closing to avoid surprises.

📄 If the Solar System Was Leased

Leased systems work differently. You’ll need to decide whether to:

  • Take over the existing lease, continuing the same payments and terms as the current homeowner

  • Buy out the lease, though this typically disqualifies you from receiving tax incentives (which would have been claimed by the leasing company)

  • Have the system removed, if the leasing agreement allows for it and the seller is willing

Before deciding, be sure to:

  • Review the lease agreement

  • Confirm monthly lease costs and remaining term

  • Understand your responsibilities under the lease

✅ Summary Checklist for Buyers

Before moving in, be sure to:

  • 🔹 Request and read the solar agreement

  • 🔹 Confirm if the system is owned, leased, or PACE-financed

  • 🔹 Ask if the warranty is transferable

  • 🔹 Get contact info for the installer or warranty provider

  • 🔹 Check for net metering eligibility with the utility provider

  • 🔹 Review any associated payments, obligations, or taxes

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