General financing
[financing partner pending] Many homeowners finance hurricane window and door projects through a home improvement loan, a home equity line of credit, or a contractor-arranged financing plan, similar to how other major home improvement projects are typically funded. Terms, rates, and qualification depend on your lender and credit profile, so we'd rather connect you with current, specific financing options during a consultation than publish generic terms here that may not reflect what's actually available right now.
PACE financing — what it actually is today
Property Assessed Clean Energy (PACE) financing is a real, statutorily eligible option for impact windows and doors in Florida. Fla. Stat. 163.08 explicitly names impact-resistant windows and doors among the qualifying improvements PACE financing can fund. PACE works differently than a typical loan — the financed amount is repaid through an assessment on your property tax bill rather than a separate loan payment, and the obligation can, in some structures, transfer with the property upon sale, depending on the specific program and local ordinance.
It's important to describe PACE accurately as of mid-2026: it has not been banned in Florida. It has been re-regulated. 2024 legislation tightened the rules around PACE financing, requiring county-by-county ordinance opt-in (meaning PACE is not automatically available everywhere in Florida — your county has to have adopted an authorizing ordinance), mandatory ability-to-pay checks before a homeowner is approved, and clearer payment disclosures so homeowners understand exactly what they're agreeing to before signing. The intent of that re-regulation was to address documented problems in the earlier, less-regulated PACE market — not to eliminate the financing tool itself.
Questions worth asking before signing any PACE agreement
Because PACE financing is now consolidating around more regulated, ability-to-pay-verified programs, it's worth asking specific questions before committing: Is PACE financing authorized in your specific county under a local opt-in ordinance? What happens to the assessment if you sell the home before it's paid off — does it transfer to the buyer, and will that affect your home's marketability or the buyer's mortgage approval? What's the total cost over the life of the assessment compared to a conventional loan for the same amount? A financing structure being legally eligible for your project doesn't automatically mean it's the best option for your specific situation — that depends on how long you plan to stay in the home and how the total cost compares to your other options.
The new 2026 sales tax exemption — a separate real benefit
Independent of financing, Florida's HB 7031E creates a sales tax exemption on impact windows, doors, and garage doors running July 1, 2026 through June 30, 2029. This isn't a financing mechanism — it's a reduction in the underlying cost of the project itself, which lowers the total amount you'd need to finance in the first place, regardless of which financing route you choose. See our full breakdown in Florida's 2026 sales tax exemption on impact windows and doors. [confirm exact point-of-sale vs. refund mechanism against final Florida DOR guidance before publishing specifics]
Stacking incentives with financing
For homeowners doing a full project, the realistic financial picture in 2026 can include several separate pieces: whatever financing structure you choose to cover the upfront cost, the new state sales tax exemption reducing that upfront cost, a potential My Safe Florida Home matching grant if you qualify and are approved, and a potential wind mitigation insurance credit once the work is complete and inspected. None of these are mutually exclusive, but none of them are guaranteed either — grant approval belongs to the state, insurance credit amounts belong to your carrier, and financing approval belongs to your lender. We can help you understand how the pieces fit together for your specific project.
What to do next
The most useful next step is a real quote for your specific home, so you know the actual project cost before comparing financing structures against it. From there, we can talk through which financing options make sense for your timeline and how the 2026 tax exemption affects the numbers.
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