Nestability™ Calculator
Before you tour this home, the early numbers are already done.
This Solar-Ready Home™ assessment gives you an early estimate of solar potential and monthly cost. Request the utility bill to confirm the real numbers before you tour.
FHA
FHA Approved Financing
☀
Pre-Tour Solar-Ready Assessment
FL
Available in Florida

Nestability™

See how FHA Clear-Title Solar can lower your total monthly payment while building equity.

$
Enter the purchase price. Florida FHA maximum: $1,249,125.
%
Choose 3.5% for typical FHA minimum, or enter another amount.
%
Estimated interest rate for the mortgage.
years
FHA maximum: 30 years.
$
Solar not included in required cash down.
Most buyers add the Tesla Powerwall 3.
It still keeps your monthly cost below what you pay today without solar. Watch why it matters.
$
Battery not included in required cash down. Adds ~$13,000. Updates value lift to ~8%.
$/mo
Estimated portion of the electric bill solar will offset. Florida average: $150-$250/mo.
% lift
Auto defaults: 0% with no solar, 6% with solar, 8% with solar + battery. You can adjust this estimate. Owned solar has demonstrated 5%–10% resale premiums in active solar markets nationwide.
Estimate only. Not tax advice.
%/yr
Florida 5-year average: 6.7% (conservative estimate: 5.5%).
YOUR NEW HOME VALUE WITH SOLAR
$685,750
MONTHLY COST
~$3,927
With Clear-Title Solar™
ELECTRICITY
In your
mortgage
Not a lease or PPA
INSTANT EQUITY
+$35,750
Day 1 boost
DTI HOUSING COST
~$3,927
vs $4,206 without solar
Under FHA EEM guidelines, lenders count mortgage + utility as your housing cost. Clear-Title Solar always produces a lower combined monthly cost, improving your DTI every time.
Net Monthly Cashflow Comparison
Clear-Title Solar™ replaces your utility bill with a smaller mortgage add-on, lowering your total monthly housing cost and improving DTI.
WITHOUT Solar
$4,205.99
Mortgage (P&I only) + Utility
WITH Solar
$3,927.33
Mortgage + solar add-on, utility offset included
You Pay Less Per Month
$278
Less per month than the same home without Clear-Title Solar™
Solar Value Breakdown
WITHOUT FHA Clear-Title Solar™, you pay TWO bills:
Mortgage payment
$4,005.99
Electric bill
+$200.00
Total monthly cost
$4,205.99
WITH FHA Clear-Title Solar™, you pay ONE bill:
Mortgage + solar
$4,127.33
Electric bill
FREE ✓
Total monthly cost
$3,927.33
You Pay Less Per Month
$278.65
Ready to get started?
Get verified Nestability™ data with real utility bill confirmation.
We'll request the utility bill to confirm the real monthly cost.

Why This is Smart

✓
Cashflow positive from Day 1 Your cashflow improves from Day 1. The solar offset exceeds the add-on payment immediately
✓
Same cash to close. More home. Solar is added to your loan after your down payment is set. It adds zero dollars to your cash to close. You bring the same money to closing and leave with a solar-powered home, electricity included in your mortgage, and instant equity.
✓
Solar interest is tax deductible CLEAR-TITLE SOLAR EXCLUSIVE Because solar is rolled into your FHA mortgage, the interest on the solar portion is deductible just like your regular mortgage interest. Solar leases, PPAs, and cash-purchase solar outside the mortgage cannot do this.
✓
$0 saved over 30 years Money you keep instead of sending to the utility company, growing at 5.5%/yr utility inflation.
✓
Closes on a standard FHA timeline. No solar appraisal required. The solar assessment is completed before you tour, which is exactly what EEM lenders need to pre-approve your financing. By the time you make an offer, the solar is already documented and structured into your loan. No separate solar appraisal at closing. No installation delays. No surprises for your agent or the seller.
✓
Your electricity is included in your mortgage. Not a lease. Not a PPA. Not a separate payment that shows up on your credit report. Solar is rolled into your FHA loan at purchase. One payment covers your home and your energy. When you sell, there is no lease to transfer and no buyer approval required.
✓
No liens, no transfer complications Clear-Title Solar™ is owned solar rolled into your FHA mortgage at purchase. No UCC-1 liens. Sell or refinance anytime with zero complications.
See the Proof
Breakdown bars, 30-year cashflow, full tax details and more
▼

Solar Value Breakdown

What solar adds to your mortgage +$0
What solar removes from your utility bill -$0
Monthly cashflow improvement $0
Show Details ▼
Loan Structure
Home Price$0
Down Payment / Cash to Close$0
Base Loan Amount (Home Only)$0
Solar Add-On$0
Battery Add-On$0
Total Loan Amount (With Solar)$0
Loan Term30 years
Interest Rate0.00%
Monthly Payment Breakdown
Mortgage Payment (Home Only, P&I)$0
Solar Add-On Payment (Before Tax)$0
Filing Status / Tax BracketMFJ / 24%
Itemizing DeductionsYes
Solar Add-On Payment (Tax-Adjusted)$0
Monthly Energy Offset-$0
New Effective Monthly Cost$0
Without Solar Monthly Cost$0
Monthly Cashflow Improvement$0
DTI Housing Cost: Without Solar$0
DTI Housing Cost: With Solar$0
Equity and Long-Term Value
Home Value Lift6.0%
Instant Equity Gain+$0
New Home Value (With Solar)$0
Utility Rate Inflation Used5.5%/yr
30-Year Energy Offset Value$0
Net 30-Year Solar Savings$0
30-Year Energy Offset Value
$0
Total utility payments avoided over the loan term
Net 30-Year Solar Savings
$0
Money you keep instead of sending to the utility company. Based on 5.5%/yr utility inflation.
Estimates only. Not a loan estimate, credit decision, or tax advice.