We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services.More
solar panels on a roof

Solar Panel Financing Options (2024)

Get a quote from local solar experts

Invalid Zip Code
Enter details in under 3 minutes

Join more than 6,755 people who have received a free, no-obligation quote in the last 30 days

Clicking “Get Your Estimate” submits your data to Home Service Quotes, which will process your data in accordance with the Home Service Quotes Privacy Policy.

Advertiser Disclosure

Author Image Written by Tamara Jude Updated 03/25/2024

Transitioning to solar power is expensive, with buyers frequently paying over $20,000 for their solar system according to our survey of 1,000 homeowners. Based on the same survey, for 20% of homeowners, affordability is the most important factor when it comes to choosing a solar provider. Fortunately, financing options such as solar loans, and power purchase agreements can make solar more affordable. There are many solar myths that may make solar investment seem questionable, but the right company and payment option can reduce your up-front costs, maximize your savings, and improve your return on investment. We’ve compared the most common solar panel financing options, their benefits, and the best solar companies for each payment choice.

Key Takeaways

  • Different financing options may be available to you depending on your state and what solar company you choose.
  • In order to benefit from many government solar tax incentives, you must choose a financing option where you own the solar panels, rather than lease them.
  • Be sure to research any solar company you are considering to avoid solar scams.
Get Estimates from Solar Experts in Your Area
Totally free, no phone call required

4 Best Solar Companies of 2024

Best Solar Leasing : SunRun
Best Customer Support : Palmetto Solar
Best East Coast Installer : Solar Energy World
Most Reputable : Blue Raven Solar

How To Finance Solar Panels

Most solar companies offer two or more financing options. We’ll review the most common financing options and their advantages and disadvantages. 

Solar Panel Leases

Solar leases allow homeowners to rent their systems directly from a solar company. Based on your credit score, you may qualify for little to no down payment. Customers commit to long-term leases and pay fixed monthly rates. According to the U.S. Department of Energy, solar leases typically last 20–25 years. The solar company will handle all system maintenance and repairs. Solar leases are best for homeowners who don’t qualify for loans, can’t afford a large up-front cash payment, or aren’t interested in owning their system.

Unfortunately, selecting a solar lease disqualifies you from money-saving incentives, since the solar company legally owns the system. This payment option offers little financial benefit to homeowners since the rented system doesn’t increase your home value. You’ll also need good credit to qualify for a solar leasing program. 

If you plan to sell your home with a rented system, you’ll need to either pay off the remainder of your lease or find a qualified buyer to take it over. Depending on the number of years remaining, ending the lease may require a sizable payment. You could also face issues with a transfer if the potential buyer doesn’t qualify for the lease. In our survey of around 1,000 homeowners, 12% leased their solar system.

Pros and Cons of Solar Panel Leases

Places maintenance responsibilities and costs on the solar company
Has a fixed monthly rate 
Requires little to no up-front investment
Doesn’t boost your property value
Disqualifies you from solar incentives and rebates
Requires a lease buyout or transfer to sell your home
Company Star Rating Warranties Payment Options Link
4.5
10–25 years Full purchase, loan, lease, PPA GET QUOTE
4.4
10–25 years Full purchase, loan, lease, PPA GET QUOTE
4.4
25–30 years Full purchase, loan, lease, PPA GET QUOTE
4.4
10–25 years Full purchase, loan GET QUOTE
4.4
25 years Full purchase, loan GET QUOTE
4.4
25 years Full purchase, loan, lease, PPA GET QUOTE
4.6
25 years Full purchase, loan, lease, PPA GET QUOTE
No results were found.

Sunrun offers both monthly and prepaid solar leasing options. A monthly solar lease allows homeowners to rent their system for little to $0 down. You’ll make monthly payments to “rent” the system. Alternatively, you can prepay the entire lease amount upfront. Either way, your lease covers all system maintenance and repairs plus insurance protection for panel damage or theft.


Power Purchase Agreements (PPAs)

PPAs are a type of solar lease. Instead of paying to rent the system, you pay for each kilowatt-hour (kWh) of energy you use. These rates are lower than other financing options, including solar leases or loans. Your contracts will outline your expected rate, which will be lower than the utility rate of electricity. Most solar providers also include system maintenance and repairs with PPAs.

Availability is one of the major drawbacks of PPAs. As of 2023, at least 29 states plus Washington, D.C. and Puerto Rico have authorized the use of PPAs for their residents. However, several of these states restrict PPAs to certain system sizes or customer types. Six states have banned PPAs, and the status of PPAs is unclear in the remaining 15 states.

Unlike other solar leases, PPA payments aren’t fixed. These agreements typically include a price escalator clause stating that the price of electricity will go up each year, and your monthly bill will vary based on your energy use. As a result, your costs may be higher or lower than predicted. Additionally, you’ll need to use energy from the grid if your solar panels don’t generate enough power to run your home. This means you could have two monthly electric bills, one for the PPA and one for the electric company.

PPAs also offer no financial benefits or property value increases, and they disqualify you from many solar incentives, such as federal tax credits. 

In our survey of 1,000 homeowners, 10% of respondents acquired their solar panels through a PPA.

Pros and Cons of PPAs

Doesn’t require any upfront costs
Offers the lowest monthly payment of any financing option
Allows you to pay only for the energy used, not the system itself
Requires no commitment to own your panels 
Availability limited to 29 states 
Disqualifies you from solar incentives, credits, and rebates
Provides no financial benefits or return on investment

Momentum Solar offers PPAs for its solar systems. It includes solar and workmanship warranties as well as system maintenance and monitoring. However, given the limited benefits of PPAs, we recommend selecting one of Momentum’s other financing options, which include cash payments, loans, and leases.


Solar Panel Loans

Solar loans allow you to own your solar system without putting in a significant up-front investment. Instead, you make monthly loan payments over a fixed period. With solar loans, you are the legal owner of your solar system, so you can lower your overall costs with available solar incentives, such as federal tax credits, or state tax property tax exemptions. Owning your panels also means fewer problems transferring ownership of your solar system during a home sale, and you’ll benefit from a boost in property value.

On the other hand, solar loans will increase how much borrowers pay in total due to the annual percentage rate (APR). Even with solar incentives, your total installation costs will be higher depending on your loan amount, loan terms, and loan rate. It’s important to review the full details of your solar loan with your lender—including the origination fee, APR, and repayment termbefore signing. You’ll need an excellent credit score to qualify for the best loans with low-interest rates. You may want to speak with multiple lenders and solar companies to identify the best loan options.

In our survey of 1,000 homeowners, 25.6% of respondents took out a loan to pay for their solar panels.

Pros and Cons of Solar Panel Loans

Increases your home’s property value
Grants you legal ownership of your system
Requires little to no money down
Qualifies you for solar incentives and rebates
Increases your total investment due to interest rates
May require collateral, depending on the type of loan
Requires an excellent credit score for the best loan terms

Blue Raven Solar offers in-house solar loans through its BluePower Plus+ program. New customers qualify for 18 months of free solar energy. After this initial period, you‘ll move to a monthly payment program with fixed monthly payments and interest rates for five years.


Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit, or HELOC, is when you borrow money against your home’s equity. These lines of credit are capped at a percentage of your total equity and have variable interest rates depending on your situation. Typically, HELOCs have a spending limit of 80% of your total equity. Some banks or credit unions may allow for higher spending limits in exchange for higher interest rates.

If you are unable to secure a low interest solar loan, a HELOC can be a good choice. You should be careful when choosing this option, as your home is the collateral. Defaulting on a HELOC can put you at risk of foreclosure.

Pros and Cons of HELOCs

Can have lower interest rates compared to solar loans
Qualifies you for solar incentives and rebates
Interest may be tax deductible
Interest rates are variable
Your home is the collateral for the credit

What Factors Impact Solar Panel Costs?

Homeowners considering solar should prepare for a significant financial investment. While solar panel costs vary in different areas of the country, your total cost will depend on your chosen solar company, system size, and home energy needs. States in the Northwest and Midwest tend to see the highest costs, while sunnier states in the southern and western parts of the country benefit from lower prices.

Available tax incentives and solar panel quality will also impact your panel costs. Here’s an overview of common factors that influence costs:

  • Labor: Labor costs vary among solar companies but account for a significant portion of your total price. Large, complicated solar systems are more expensive to install. 
  • Location: Solar panel costs vary from state to state and depend on local solar prices, electricity rates, and available tax incentives. Some states are friendlier to solar than others. Location can also impact your sun number score.
  • Mounting option: Ground-mounted solar panels tend to cost more than rooftop solar panels. You’ll also pay more for upgrades like dual-axis tracking.
  • Panel quality: The most recommended residential solar panels are more efficient and produce more energy for your home, but they’re also more expensive. The best regarded cheap solar panels will reduce your initial investment but won’t generate as much long-term savings.
  • Solar panel type: Monocrystalline panels are the most efficient but most expensive panels. Polycrystalline panels are more affordable but require more panels to produce enough energy to power your home.
  • Solar tax incentives: Federal, state, and local solar tax incentives help reduce solar costs, making the transition more affordable for homeowners.
  • System size: Your system size and how many solar panels you need will depend on your home’s energy needs. You’ll need a bigger and more expensive system if you need more power for your home. 

How Solar Tax Incentives Reduce Cost

Solar incentives, credits, and rebates are offered at the federal, state, and local level. These reduce your total installation costs, helping you maximize saving. They also shorten your payback period, or the time it takes for your energy savings to equal the amount you invested in your solar system. This can take 6–10 years and varies on your total system costs and selected financing option. 

The federal solar tax credit provides a tax reduction equal to 30% of your solar panel installation costs. Some states also offer solar tax credits you can apply to your state taxes. Additional solar incentives include city-specific rebates, credits, and property and sales tax exemption laws. Homeowners should check the Database of State Incentives for Renewables and Efficiency (DSIRE) for an up-to-date list of available solar incentives in their area.  

  • You must legally own your solar energy system to qualify for these incentives. Only two financing options grant you ownership: cash payments and solar loans. Other financing options, such as solar leases and power purchase agreements (PPAs), keep ownership with the solar company.

Solar Panel Scams

The Better Business Bureau has warned consumers of “free solar panel” scams. If someone contacts you offering to install solar panels for free—or for a suspiciously low cost—be wary. These scammers often use high-pressure sales tactics and ask for an upfront payment, which they promise will be reimbursed by a government program. Alternatively, they may ask for personal information they can later use for identity theft or financial fraud, such as your social security number or banking details.

The best way to avoid scams is to educate yourself. Research solar companies in your area, average solar panel costs, and current state and federal incentives. Rather than giving into high-pressure sales tactics, take the time to gather bids from multiple companies. Ask lots of questions and compare each company’s answers, pricing, and online reviews to spot frauds.

For more information about solar panel scams and how to avoid them, check out the video below with home technology expert Ross Trethewey. Ross and host Kevin O’Connor also discuss situations where solar panels may not be a worthwhile investment and how to vet solar installers.


Cash Purchase

Lump sum cash payments offer the best return on investment and long-term savings. Customers pay for their system outright with cash, a check, debit card, or a credit card. This payment option eliminates interest rates (other than whatever your credit card company charges), credit checks, and loan fees.

Cash payments offer a quicker return on investment and provide the maximum long-term savings. Since you legally own your system, you’ll qualify for any solar incentives and credits available. You can easily transfer your system in a home sale. 

Although you’ll pay off your system immediately, you’ll need a hefty sum for a cash purchase. You’re also responsible for your system’s upkeep and maintenance. Some maintenance will be covered by warranties, but once those contracts end, you’ll have to pay for any additional repairs or upgrades. You’ll need an up-to-date, well-maintained system for any potential home sales. 

Pros and Cons of Cash Purchases

Offers the maximum long-term savings and return on investment
Provides the lowest payback period
Doesn’t require a credit check or loan fee
Qualifies you for solar credits, incentives, and rebates
Involves a significant cash or credit card payment
May require out-of-pocket expenses for system upgrades 
Places maintenance responsibilities on the homeowner

Palmetto Solar offers affordable solar systems with long-term warranty coverage. Its Palmetto Protect Essentials plan includes a 25-year warranty for the solar panels, a 10-year warranty on the inverter, a 10-year warranty for workmanship, and five years of roof penetration coverage. You’ll also receive remote system monitoring and troubleshooting. The company will contact you if it detects any production issues or system errors.


How Solar Installation Works

Converting to renewable energy helps you save money on your monthly electric bills and reduces your carbon footprint. Before scheduling an installation, it’s essential to understand what’s involved. Watch our video below to better understand the steps of a solar panel installation.


Our Top Solar Company Picks

Sunrun

4.5

We like Sunrun for its four financing options, including its unique leasing options if you don’t want to own your system. This stands out to us because the other companies on this list don’t offer as many options.

Prepaid and leased systems also include a 25-year warranty with system service and maintenance, ongoing monitoring, and theft insurance. The company even offers financing plans for quality monocrystalline solar panels and products from trusted brands such as LG.

How We Scored Sunrun

Sunrun earned 4.4 out of 5 stars based on our methodology. The company gained many points for its positive reputation, comprehensive leasing options, and well-rounded warranty coverage. It lost some points for is limited service selection.

  • Solar Equipment and Services (15 out of 25 points): Sunrun provides solar panel and battery installation but uses third-party installers. Though this is becoming an industry standard, in-house installers typically yield better communication and quality. The company also doesn’t provide roofing services or energy audits but does offer quality active monitoring assistance. 
  • Warranty and Performance Guarantees (19 out of 25 points): Sunrun offers quality warranties, such as its 25-year manufacturer and labor warranty, but doesn’t include a performance guarantee. 
  • Brand Reputation and Professional Certifications (13 out of 15 points): Sunrun has one of the higher customer BBB ratings we’ve encountered, and the company maintains an overall positive customer reputation online.
  • Financing Options (13.5 out of 15 points): The company doesn’t offer any in-house financing but provides more warranty coverage for customers interested in solar leasing than other providers, such as Palmetto.
  • Industry Experience (9 out of 10 points): Sunrun holds 17 years of experience in the solar industry, making it a veteran compared to a newer company such as Blue Raven Solar.
  • State Availability (8 out of 10 points): The company only serves 18 states.

Pros and Cons

Pros Provides system monitoring that signals issues with your system Offers diverse financing options to suit various budgets Provides EV and solar battery solutions Cons Limited online information on solar incentive disqualification with leases Requires added costs for the same coverage plans as leased and prepaid customers Varies solar battery availability by state

Warranty and Financing

Warranty

Sunrun backs its systems with a 10-year comprehensive warranty which includes product, roof penetration, and workmanship coverage.

Financing Options

✔ Full purchase
✔ Loan
✔ Lease
PPA

State Availability

Available in: California, Colorado, Connecticut, Florida, Hawaii, Illinois, Massachusetts, Maryland, Nevada, New Hampshire, New Jersey, New Mexico, New York, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, plus Washington, D.C. and Puerto Rico.

Reputation and Reviews

The company earned DroneDeploy’s 2022 Guardian of Safety Award for incorporating drone technology in its site assessments. In 2021 and 2022, Sunrun was recognized by Comparably with 14 awards. Its accolades include Best CEOs for Diversity 2022, Best Company Culture 2021, and Best Company for Women two years in a row.

Sunrun currently holds an A+ rating from the BBB and is accredited. Former customers praised the comprehensive coverage for leased systems but complained about delayed installations, poor customer service, and poor communication with project managers. Additionally, some customers note being confused by Sunrun’s leasing and PPA options, though they also mention Sunrun is willing to discuss and clarify these plans.

Palmetto

4.4

Palmetto Solar offers a wide range of quality solar products and excellent customer service, including phone, email, and online chat options, an online service request portal, and a library of troubleshooting resources. Overall, Palmetto offers more customer support than other providers we reviewed, most notably through its tiered system protection plans and mobile app.

How We Scored Palmetto Solar

Palmetto earned 4.4 out of 5 stars according to our methodology. The company scored more points for its comprehensive service selection and long-term protection plans. It lost some because of its standard warranty options and lack of production guarantee. 

  • Solar Equipment and Services (20 out of 25 points): Palmetto offers an excellent selection of solar services, including solar battery and electric vehicle (EV) charger installation, energy audits, and active monitoring.
  • Warranty and Performance Guarantees (16 out of 25 points): The company’s warranty options don’t stand out as much as Sunrun’s. It offers industry-standard coverage for 25 years on products and 10 years on labor.
  • Brand Reputation and Professional Certifications (14 out of 15 points): Palmetto has a highly positive online reputation on popular review sites such as the BBB. The company also screens its installers to ensure they’re certified with the North American Board of Certified Energy Practitioners (NABCEP).
  • Financing Options (13.5 out of 15 points): Palmetto doesn’t provide in-house financing but offers all possible payment methods.
  • Industry Experience (8 out of 10 points): Palmetto holds a decent amount of experience, with 15 years in the industry.
  • State Availability (8 out of 10 points): The company serves 17 states.

Pros and Cons

Pros Gives access to customer support via email, chat, phone, and app Offers a tiered system protection plan Provides an online solar savings calculator to estimate potential savings Cons Limits its active monitoring services to three years Shorter roof leak and workmanship coverage than other installers Some online reviews mentioned permitting and installation delays

Warranty and Financing

Warranty

Palmetto’s warranty protection includes a 25-year panel warranty, 12-year inverter warranty, 10-year workmanship warranty, and five-year roof penetration warranty.

Financing Options

✔ Full purchase
✔ Lease
✔ Loan
✔ PPA

State Availability

Available in: Arizona, California, Colorado, Florida, Georgia, Illinois, Maryland, Massachusetts, Michigan, Nevada, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia

Reputation and Reviews

Palmetto Solar received Solar Power World’s Most Forward-Thinking Contractor award in 2022. Inc. magazine recognized the company the same year with a Power Partner Award. Palmetto also aims to provide solar energy to underserved communities with its Get Solar, Give Solar program.

Palmetto Solar is accredited by the BBB and has an A+ rating from the site. While reading online reviews, we noticed that homeowners praised Palmetto for its dedicated installation managers and quality systems but mentioned very long waiting periods for permitting, plus installation delays.

Solar Energy World

4.4

Solar Energy World (SEW) is one of the most robust and well-regarded solar installation companies. It boasts several impressive features, such as its 30-year manufacturer’s warranty. Its service area is limited, and it doesn’t offer energy auditing services. We like that SEW discloses what solar panels it primarily works with and that the panels are from trusted, quality brands such as Qcells and Silfab.

Roughly 11% of our surveyed solar users purchased their system from Solar Energy World.

How We Scored Solar Energy World

SEW scored 4.4 out of 5 stars according to our methodology. The company received many points because of its warranty, which is longer than most other solar companies’ warranties. SEW offers a 30-year manufacturer’s warranty on all its solar panels and inverters, whereas many providers only offer 25-year warranties.

  • Solar Equipment and Services (18 out of 25 points): The company is an ideal option for many basic solar products and services, such as solar panels and battery installation. It lost points because it doesn’t install EV chargers or perform energy audits.
  • Warranty and Performance Guarantees (19 out of 25 points): SEW’s manufacturer and labor warranties are standout features, but the company doesn’t include any production guarantees with its work. 
  • Brand Reputation and Professional Certifications (15 out of 15 points): The company’s reputation is one of the best, with high BBB and Google Reviews ratings. We also found no active alerts or lawsuits.
  • Financing Options (13.5 out of 15 points): SEW offers all possible solar payment options but doesn’t provide an in-house financing department. 
  • Industry Experience (8 out of 10 points): The company has been in business since 2009, so it received most of the points in this category.
  • State Availability (6 out of 10 points): SEW limits its service area to eight East Coast states.

Pros and Cons

Pros Features an extensive solar product catalog with trusted brands Includes free active monitoring Hires NABCEP-certified installers and designers Cons Reviews mention communication issues with staff Warranty coverage varies by solar panel brand Doesn’t offer a power production guarantee

Warranty and Financing

Warranty

SEW offers a 30-year manufacturer’s warranty on all purchased solar panels and inverters. However, coverage varies by brand, and the company doesn’t guarantee them with every panel option. 

Financing Options

✔ Full purchase
✔ Loan
✔ Lease
✔ PPA

State Availability

Available in: Washington, D.C, Delaware, Florida, Maryland, New Jersey, North Carolina, Pennsylvania, South Carolina, and Virginia

Reputation and Reviews

The company landed on Solar Power World’s 2023 Top Solar Contractors List in the No. 10 spot.

The BBB accredits SEW, and the company holds an A+ rating. Former customers praise the company for its professionalism, assistance with applying for financial incentives, and smooth installation process. However, some reported discrepancies in finances and scheduling.

Blue Raven Solar

4.4

Blue Raven Solar has one of the best reputations for reliability and trustworthiness. It has won awards for its team and CEO, and customer reviews report great customer service and prompt installations. The company also stands out for its in-house financing, which includes 18 months of free solar energy.

Out of all solar brands in the market, 6.5% of our survey respondents chose Blue Raven.

How We Scored Blue Raven Solar

Blue Raven received 4.4 out of 5 stars according to our rating system. The company scored the most points for its customer service reputation and warranty coverage. It also earned points for providing all standard solar panel services but lost some due to its limited financing options and lack of roof leak coverage.

  • Solar Equipment and Services (18 out of 25 points): Blue Raven offers solar panel and battery installation, active monitoring services, and energy audits. However, it doesn’t offer solar roofs, EV chargers, or additional roofing services. 
  • Warranty and Performance Guarantees (22 out of 25 points): The company offers top-of-the-line warranties, including a 25-year workmanship warranty. The company earned points fo providing a performance guarantee, but its guarantee is shorter than many other providers. However, it doesn’t provide any roof leak coverage. 
  • Brand Reputation and Professional Certifications (13 out of 15 points): Blue Raven has high customer review ratings on its BBB profile and other popular review sites. The company uses in-house installers but doesn’t ensure they’re NABCEP-certified, which made it lose some points in this category.
  • Financing Options (12 out of 15 points): Blue Raven offers some of the best in-house financing of the companies this list, but it limits this financing to solar loans. You may want to consider a different provider, such as Sunrun, if you’re looking for a lease or PPA.
  • Industry Experience (7 out of 10 points): Blue Raven has less experience than other providers, with only 10 years in the industry.
  • State Availability (7 out of 10 points): The company limits its service area to 19 states.

Pros and Cons

Pros Offers SunPower’s high-efficiency panels and storage options Provides a unique in-house financing option which includes 18 months of free solar energy Recognized as one of the industry’s most reputable solar companies Cons Offers one of the shortest production guarantees among our reviewed companies Some customer reviews mention poor communication Workmanship warranty falls slightly below the industry standard

Warranty and Financing

Warranty

A Blue Raven system has a 25-year product warranty, a 10-year workmanship warranty, and a two-year production guarantee.

Financing Options

✔ Full purchase
✔ Loan

State Availability

Available in: Colorado, Florida, Idaho, Illinois, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nevada, North Carolina, Ohio, Oregon, South Carolina, Texas, Utah, Virginia, Washington

Reputation and Reviews

Blue Raven has won numerous awards from Comparably, a site known for its company culture and reputation reviews. It also ranked No. 20 on Glassdoor’s Best Place to Work in the USA in 2021.

Blue Raven is accredited by the BBB and currently holds an A+ rating. We noted that customers praised the knowledgeable staff and prompt installation but cited poor communication after completing projects. We analyzed several consumer reviews and found that some of these issues stem from the company’s financing department and third-party installers.

Read our review of Blue Raven Solar for more information.

Our Conclusion

Of the various solar panel financing options, cash payments offer the best return on investment and shortest payback period. They also qualify you for solar incentives that help offset installation costs. However, solar loans are a good alternative if you don’t have the funds available for an outright payment. You’ll enjoy clean energy and benefit from available incentives and a property value boost while spacing out your payments over time.

Homeowners can also choose a solar lease or PPA. However, these financing options offer far fewer benefits and don’t qualify you for solar incentives.

Get Estimates from Solar Experts in Your Area
Totally free, no phone call required

FAQ About Solar Financing Options

Do solar panels increase my property value?

Yes, solar panels do increase your property value. Those savings can also increase your home’s resale value. Zillow found that homes with solar panels sell for 4% higher than comparable non-solar homes.

Is it better to pay outright or finance solar panels?

Paying for a system outright offers the best long-term benefits. You’ll avoid loan fees, interest rates, and credit checks, allowing you to save more long-term.

What are the benefits of solar panel financing?

Solar panel financing helps make the transition to solar energy more affordable. Solar loans allow homeowners to pay for their solar system over several years instead of paying a hefty out-of-pocket sum at the start.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.