1. What type of solar agreement do you have?
Instead of paying $27,000 over 15 years, finance a $13,500 buyout to terminate the lease, release the UCC-1 title lien immediately, and shave 8 years off your solar debt.
Estimates shown are strictly illustrative modeling based on an estimated 50% discount buyout for leases/PPAs (or 75% for loans) and a representative 84-month unsecured term at 14.5% APR. Payoff requirements, approval, rates, and terms depend on your solar provider's demand statement and lender underwriting.
Provided by: Solar Exit Financing
User Guide & Breakdown
Whether you’re selling your home, refinancing, or simply exploring what it could cost to get out of an existing solar agreement, this calculator models your remaining obligation against a structured buyout loan designed to clear property liens.
Choose the type of agreement you currently have. Each contract model follows different payoff rules and settlement calculations:
Regular monthly payments to use panels while a third party retains ownership and holds UCC-1 fixture filings.
You pay for electricity produced per kWh at an agreed rate, often subject to annual contract escalators.
A financed equipment balance where scheduled installments go directly toward principal and interest.
Add your current monthly solar payment and the number of years remaining on your agreement. You can slide the controls or type exact numbers directly into the input boxes. The calculator uses this to establish your cumulative lifetime contract liability.
Compare your current remaining obligation against the estimated lump-sum buyout demand and your projected new monthly payment on an 84-month exit loan. This gives you clear baseline numbers before requesting servicer demand quotes or entering escrow.
The cumulative dollar amount you are obligated to pay if you keep the current contract through the full term (Monthly Payment × 12 × Years Remaining), excluding annual escalator compounding.
The estimated lump sum required to settle and terminate the contract early. Modeled at a typical 50% discount buyout for Leases/PPAs and 75% remaining principal balance for Loans.
Your estimated monthly payment on an illustrative 84-month unsecured loan (~14.5% APR) used to fund the buyout. Because it is unsecured, it carries no prepayment penalties and can be paid off in full from escrow sale proceeds.
Once exit financing funds the servicer’s demand, the solar company is legally required to record a UCC-3 termination statement or mortgage reconveyance, clearing property title so home sales or refinances can close smoothly.
