Ohio Residential PACE Financing (R-PACE)

Ohio PACE / Local municipal programs (Summit, Franklin, Lucas counties and others)

Available Home Repair

About This Program

Ohio Residential PACE Financing (R-PACE) is available to homeowners in Toledo, OH.

Ohio Residential PACE allows homeowners to finance energy efficiency and renewable energy improvements through a voluntary property tax assessment, repaid over 5-20 years on the property tax bill. Ohio is one of only a few states with R-PACE authorization. Eligible improvements include HVAC, insulation, windows, roofing, and solar. Homeowners must obtain written consent from their existing mortgage holder before proceeding.

Financing (not a grant). No down payment; repaid via property tax bill. If home is sold, repayment obligation transfers to new owner. Available primarily in Summit, Franklin, and Lucas counties.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Toledo, OH, you can combine this program with other local help to cut your cost:

Key Details

  • Finance energy upgrades with no upfront cost, repaid through property tax bill over 5-20 years
  • Covers HVAC, insulation, windows, roofing, solar panels, and other qualifying improvements
  • No income limit; no credit score requirement (property-secured)
  • Mortgage holder written consent required before enrollment
  • Currently available in Summit, Franklin, and Lucas counties; expanding

How to Apply

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in Toledo, OH can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Toledo early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, contact local PACE administrator for participating counties

Questions about this program?

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Frequently asked questions

Who qualifies for Ohio Residential PACE Financing (R-PACE) in Toledo?

Ohio Residential PACE Financing (R-PACE) is open to homeowners in Toledo, OH. It has no income limit.

How do I apply for Ohio Residential PACE Financing (R-PACE) in Toledo, OH?

Apply directly with Ohio PACE / Local municipal programs (Summit, Franklin, Lucas counties and others) using the official program link on this page. There is no middleman and no fee.

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