What a solar PPA actually is
A Power Purchase Agreement (PPA) means a third party owns the panels on your roof and you buy the electricity they produce at a rate that's typically lower than your utility's. There's no upfront cost and the PPA company handles maintenance.
Cash purchase
You own the system, claim the federal tax credit (currently 30%), and keep 100% of the energy value. Highest long-term return, but requires capital upfront.
Solar loan
Splits the difference — you own the system and get the tax credit, but finance the cost over 10–25 years. Monthly payments are often less than the utility bill you replace.
How to choose
If you have the cash and plan to stay in the home long-term, buying wins. If you want predictable monthly savings with zero out-of-pocket and no equipment responsibility, a PPA is hard to beat. SOLITO offers both and will model the actual numbers for your home.
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