Texas Loans for Homeowners
Clean Energy Fund of Texas helps homeowners finance improvements that can make their homes more affordable, comfortable, efficient, and resilient.
Texas homeowners face rising energy costs, severe weather events, and increasing demand on the electric grid. Our financing programs help families invest in solutions that improve affordability, comfort, and resilience.
Our homeowner loan options support a range of projects, from solar and battery storage to HVAC, roofing, insulation, accessibility improvements, and other eligible home upgrades. Financing availability is limited and subject to program funding, eligibility requirements, underwriting, and final approval.
Why Homeowners Choose CEFTX:
- Mission-driven nonprofit lender
- Financing designed for Texas homeowners
- Focus on affordability and resilience
- Experienced clean energy financing team
- Multiple financing pathways based on project needs
Home Loan Options
Clean Energy Fund of Texas offers homeowner financing through separate loan options designed to meet different household needs. Whether you are looking to lower energy costs, improve home comfort, prepare for extreme weather, or make essential home improvements, our goal is to help more Texas families access practical financing solutions.
This information is for general informational purposes only and does not constitute an offer to extend credit or a commitment to lend. Prequalification is preliminary and does not constitute credit approval or a commitment to lend.
Solar & Battery Storage Loans
Offered through Rising Sun Fund
Interested in generating your own energy and adding backup power for your home?
Solar & Battery Storage Loans help homeowners finance solar panels and solar + battery systems that can support long-term affordability, increase energy independence, and help households better manage their energy needs.
Best for:
- Solar panel installation
- Solar + battery storage systems
- Home energy generation and storage projects
Home Energy & Resilience Loans
Offered through Texas Energy Relief and Resilience Fund
Need to improve your home’s comfort, efficiency, or resilience?
Home Energy & Resilience Loans help homeowners finance upgrades that can reduce energy waste, improve indoor comfort, and strengthen the home for long-term performance.
Best for:
- HVAC replacement or upgrades
- Roofing
- Insulation
- Heat pumps
- Energy-efficient windows
- Weatherization improvements
- Battery-only systems
- Other eligible energy-related home improvements
Accessibility & Essential Home Improvement Loans
Offered through Texas Energy Relief and Resilience Fund
Need to make your home safer, more accessible, or more livable?
Accessibility & Essential Home Improvement Loans may help homeowners finance eligible improvements that support household safety, accessibility, and essential home resilience.
Best for:
- Disability retrofits
- Accessibility modifications
- Septic or sewer-related improvements
- Essential health, safety, or resilience-related home upgrades
This material is for informational purposes only and does not constitute an offer to extend credit or a commitment to lend. Financing is subject to program availability, credit approval, underwriting, and final documentation. Loan terms, including interest rates, fees, repayment structure, and collateral requirements, will vary based on borrower qualifications, project characteristics, and market conditions. Prequalification
is preliminary and non-binding. Not all applicants will qualify.
Ready to explore your options?
Start with the type of project you are planning.
Our team can also help you determine which financing solution may be the best fit for your home improvement project.
Financing is subject to program availability, eligibility, underwriting, and final approval. Not all applicants or projects will qualify.