What is the Hoper program?

What is the Hoper program?

The HOPER (Home Ownership, Promotion, Education, and Research) Program is an FHA-backed initiative designed to assist homebuyers by offering financial incentives and promoting energy efficiency. Qualified participants can receive up to $13,000 (3.5% of the home purchase price) to use toward down payments, closing costs, or other expenses. In return, participants commit to making their new homes energy-efficient, primarily by installing solar panels, which are financed within their FHA loan.

Key Benefits of the HOPER Program:

  • Financial Incentive: Receive up to $13,000 to assist with home purchase expenses.
  • Energy Efficiency: Incorporate solar panels into your new home, leading to potential long-term savings on energy bills.
  • Tax Advantages: Benefit from a 30% federal tax credit on the cost of solar installation.
  • Increased Home Value: Homes equipped with solar panels may see an increase in property value.

Eligibility Requirements:

  • Purchase a single-family primary residence.
  • The HOPER Program is available in all states except for North Dakota, South Dakota, Alabama, Hawaii, and Alaska.
  • Perfect credit not required.
  • Completion of a 6-8 hour online homebuyer education course.
  • Agreement to install solar panels, financed through the FHA loan, within a specified timeframe after closing.

How the Program Works:

  1. Pre-Approval: Prospective homeowners must get pre-approved for an FHA mortgage loan through a participating lender.
  2. Education: Complete a self-paced online homebuyer education course before closing on the loan.
  3. Incentive: Receive up to $13,000 (or 3.5% of the purchase price) as a cash incentive, which can be used for down payment, closing costs, or other expenses.
  4. Solar Installation: Meet with a HOPER consultant to design a solar panel system, with the full cost rolled directly into the mortgage, requiring $0 out of pocket.

By participating in the HOPER Program, homebuyers not only receive substantial financial assistance but also contribute to a more sustainable environment through the adoption of renewable energy sources.

To learn more, complete the contact form below, and we will help connect you with a resources to guide you through the process.

If you are a participating lender for the HOPER program, complete the form below and we will add you to our list to share with buyers wanting more information on the HOPER program.

Blog Author:
John Backer, REALTOR®


Licensed in Arizona

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