Put solar on Your Home for No Money Down

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Homeowner Benefits

Thousands of customers are saving money with Mosaic's simple, zero-down loan.

Save Money

The average Mosaic customer saves $30,550*.

Invest In The Future

Watch your monthly savings grow over time.

Own Your Energy

Powering your home with clean energy has never been easier.

Get Solar for
No money down

Mosaic's no money down home solar loan can help you to save. We do our best to structure the loan so the monthly payment is lower than your electrical bill from the time that the system is installed. Homeowners save on average $30,550* with Mosaic over the life of their solar system!


Solar allows you to generate your electricity at predictable costs regardless of how much utility rates go up. After paying off your loan, enjoy years of cheap, clean solar energy from the sun.

“Owning my solar system with no up-front cost means more savings, increased home value, and decades of reliable clean energy for my kids. Those are things I'll always feel good about.”

Sarah Shanley Hope
Mosaic Customer
Oakland, California


Clean Energy is Simple

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Solar Learning Center

What is solar power?

Clean energy means a healthier future ...

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How do solar panels

Solar panels convert sunlight into ...

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How does the 30% federal tax credit work?

There are federal tax incentives for solar ...

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*Savings are based on savings of Mosaic borrowers between 11/3/2014 - 9/30/16 using our 20 year choice rate loan product. Savings depend on credit profile, timely monthly payments and making the prepayment target. Savings are calculated by (Electricity bill before solar) - (Bill after solar + Mosaic loan payment). Savings may vary above or below the average rate based on geography and weather variability particular to your jurisdiction. We assume a solar panel life span of 30 years, a decline in panel production of 0.5% per year, inverter replacements at years 10 and 20, and retail electricity rates increasing 2.18% per year (National average utility bill increase of 2.18% based on EIA data for the last reported 20 years, nationally (1997-2017).