Integration surfaces an FHA zero-down financing option — with down payment assistance and solar built in — directly inside Uplist’s live listing experience, no login, SSN, or credit pull required
Lehi, Utah — Sep, 24th 2026 — Uplist, the homebuyer intelligence platform that puts live mortgage payment options on any listing, today announced a partnership with Arcasa, an energy-smart down payment assistance platform that aims to bring affordability and sustainability to every home. The integration brings Arcasa’s zero-down, solar-powered DPA program directly into the Uplist experience — letting a homebuyer see a $0-down path to homeownership, and the numbers behind it, the moment they scan a listing’s QR code or open a loan officer’s shopping link.
Down payment remains the single biggest barrier to homeownership for millions of would-be buyers. Through this partnership, when a buyer explores a property in Uplist, the platform now calls Arcasa’s estimate engine in real time to surface an FHA-based option that folds down payment assistance and the cost of a solar energy system into a single loan — shown alongside the estimated monthly utility savings the solar system is designed to generate. Standard financing and the funds unlocked through solar DPA option appear side by side, so buyers can compare real, personalized estimates without talking to anyone, creating an account, or affecting their credit. Unlike most down payment assistance, the program carries no income limits and no first-time-buyer requirement. Additionally, the assistance carries no separate monthly payment or rate bump, and no 1099 is issued to the borrower.
“Our whole mission is to put a loan officer’s expertise on every listing, even when they can’t be there in person. Adding Arcasa means the answer to ‘can I even afford this?’ can now be yes for a lot more buyers, with a real, zero-down number they can see for themselves,” said Jeff Bell, President of Uplist.
“Buying a home today is harder than it’s ever been. Down payments are where most deals are dying. Not credit, not income. Cash. We’ve designed an incredibly versatile DPA program that happens to be unlocked by solar. Now, with Uplist, we’re making sure the right people are seeing it,” added Cole Bestgen, CEO of Arcasa
How it works
- A homebuyer scans a listing flyer’s QR code or opens the personalized link their loan officer sent them.
- Uplist displays live mortgage payment options from the lender of their choice, for that scenario — no login, no SSN, no credit pull.
- Behind the scenes, Uplist calls Arcasa’s estimate engine, which returns the down payment assistance and solar financing amounts, plus the estimated monthly utility savings.
- Uplist presents a $0-down option that combines those amounts into a single FHA loan, shown next to standard financing so buyers can weigh the trade-offs on estimated monthly payment.
- When a buyer is ready, they connect directly with the loan officer to move forward.
Why it matters
For homebuyers, it turns “I don’t have a down payment” into a concrete, explorable path — with solar utility savings helping offset the monthly cost. For loan officers, it adds a differentiated, affordability-first option they can put in front of buyers automatically, on every listing, without extra work. For real estate agents and builders, it widens the pool of buyers who can act on a listing.
Availability
The Arcasa integration is available now to loan officers on the Uplist platform. The program is available in 46 states (excluding: NY, HI, AK, WV).
About Uplist
Uplist is a homebuyer intelligence platform for mortgage loan officers. Its QR-powered listing pages and personalized shopping tools give buyers live mortgage payment options, automatic savings detection, and affordability paths — all without a login, SSN, or credit pull — so a loan officer’s expertise is present on every listing, even when they can’t be there in person. Learn more at getuplist.com.
About Arcasa
Arcasa is an energy-smart down payment assistance platform: it helps loan officers and homebuyers unlock DPA on FHA loans, when they include solar into their mortgage. No income limits, no first-time-buyer requirement, and no payment on the assistance.
Bringing affordability and sustainability to every home.™
Media Contacts
Uplist Ben Smidt | ben@getuplist.com
Arcasa Henry Smith | hello@arcasa.io