Colorado buyer due diligence

Solar Panels & Agreements When Buying a Home

Determine whether panels are owned, financed, leased, or under a power-purchase agreement—and coordinate transfer, payoff, roof, title, insurance, and lender review.

Quick checklist

Questions to investigate before the deadline

  • Obtain every signed agreement, amendment, invoice, and warranty
  • Identify owner, lender, lessor, servicer, and utility arrangement
  • Confirm payoff or transfer steps and deadlines in writing
  • Review roof penetrations, permits, production, insurance, and removal terms

First identify the arrangement

Panels may be seller-owned, financed with an unpaid balance, leased, or governed by a power-purchase agreement. Listing language such as ‘solar included’ is not enough to establish ownership or the buyer's future obligations.

Read the complete contract

Review payment terms, escalators, remaining term, early payoff, transfer and credit approval, liens or security interests, warranties, monitoring, maintenance, roof removal and reinstallation, insurance, performance claims, and what happens at sale or default.

Coordinate before deadlines

The solar company or lender, buyer's lender, title company, insurer, utility, and roofing or inspection professionals may each need information. Do not assume a transfer or payoff is complete until the required parties confirm it in writing.

Verified August 2026. General education only—not inspection, engineering, insurance, tax, title, or legal advice. Your signed contract controls rights and deadlines.

Colorado General Assembly — Residential Energy Systems Consumer ProtectionCFPB — Solar Financing Consumer Advisory