$0 Down Payment¹ Rates as Low as 0% APR² Same-Day Approval³

Don't Let Budget Stop You From
Protecting Your Home

Get a new roof today and pay over time. TopCal partners with GoGreen Financing and Renew Financial (PACE) to offer flexible payment plans that fit any budget — with $0 out of pocket.

Estimate My Monthly Payment Call (844) 867-2259

No Money Down¹ Approval in Minutes³ Flexible 5-25 Year Terms CSLB Lic. #1112937

¹ $0 down / no money down is available on select financing programs and is subject to lender eligibility requirements and approval. ² 0% APR is a limited promotional rate offered by independent third-party lenders. Availability is subject to change, credit qualification, and lender program terms — this rate may not currently be offered. TopCal Roofing does not set or guarantee any financing rates. ³ Approval timelines vary by lender. Same-day or minute-level approval is not guaranteed and depends on your credit profile, income, documentation, and individual lender review. TopCal Roofing does not control financing approval decisions.

Step 1

Estimate Your Roof Cost

Select your home size and roofing material to get a rough cost range. This estimate auto-fills the payment calculator below.

What size is your home?

Small ~1,200 sq ft

Medium ~1,800 sq ft

Large ~2,500 sq ft

XL / Multi 3,500+ sq ft

Know your exact square footage?

sq ft

What's your roof slope?

Steeper roofs have more surface area and cost more to replace.

Flat / Low Commercial-style

Standard Most homes

Steep A-frame style

Very Steep Cathedral / tall peak

What roofing material?

Asphalt Shingle $6.85 - $8/sq ft

Clay / Concrete Tile $7.50 - $10.50/sq ft

Flat Roof $6.85 - $9/sq ft

TPO $7 - $12/sq ft

Metal Roofing $11 - $19/sq ft

Estimated Roof Replacement Cost

$8,100 - $12,600

1,800 sq ft • Asphalt Shingle

See My Monthly Payment

* Estimates are rough averages based on typical LA County pricing. Actual costs vary based on roof slope, layers, access, permits, and condition. A free on-site inspection by TopCal Roofing is required to determine your exact project cost. Call (844) 867-2259 for a personalized quote.

Step 2

Estimate Your Monthly Payment

Use the calculator below to get an estimate of what your new roof could cost per month. Adjust the project cost, term, and rate to see how financing works for you.

Roof Payment Calculator

Estimated Project Cost

Loan Term

Interest Rate (APR)

Down Payment

Estimated Monthly Payment

$134

per month

$15,000

Loan Amount

$24,120

Total Paid

$9,120

Total Interest

* This calculator is for illustrative purposes only and does not constitute a financing offer. TopCal Roofing does not control, set, or guarantee any financing rates, terms, or availability — all financing is provided by independent third-party lenders. The 0% APR promotional rate may no longer be available and is subject to lender approval, credit qualification, and program terms. Lenders may charge origination fees, processing fees, or other costs that are not reflected in this calculator. Actual monthly payments will be determined by the lender based on your credit profile, project scope, and property assessment. A free on-site inspection is required for an accurate project cost. Contact TopCal Roofing at (844) 867-2259 for a personalized quote.

Two Great Options

Choose the Financing That Works for You

TopCal partners with two trusted California financing programs. Both offer $0 down and competitive rates — choose the one that fits your situation.

GoGreen Financing

Energy-Efficient Home Improvement Loans

Low fixed rates — competitive APR on approved loans for energy-efficient home improvements including roofing
Terms up to 15+ years — longer terms mean lower monthly payments that fit your budget
California state-supported program — backed by the California Alternative Energy and Advanced Transportation Financing Authority (CAEATFA)
Traditional home improvement loan — repay through normal monthly installments, not on your property tax
Fast, online application — check your rate with no impact to your credit score and get approved quickly
Covers roofing, solar, HVAC, insulation — bundle multiple energy-efficient upgrades into one loan

Check My Rate on GoGreen

PACE Financing

Property Assessed Clean Energy via Renew Financial

100% financing, $0 down — the entire cost of your roofing project is financed with no out-of-pocket expense
Repay through property taxes — payments are added as a line item on your annual property tax bill
Transfers with the property — if you sell your home, the remaining balance stays with the property, not with you
Qualification based on equity — approval is based on your home equity and property tax payment history, not your credit score
Terms up to 25 years — ultra-long repayment periods keep monthly costs as low as possible
Tax-deductible interest — the interest portion may be tax-deductible (consult your tax advisor)

Check PACE Eligibility

Simple Process

How Financing Works With TopCal

We handle the heavy lifting. You just pick your option and enjoy your new roof.

Free Inspection

We inspect your roof and give you an honest, itemized estimate — no pressure, no obligation.

Choose Your Plan

Pick GoGreen (traditional loan) or PACE (property tax). We walk you through both options.

Get Approved

Apply online in minutes. Most homeowners get same-day approval with no impact to credit score for pre-qualification.

Roof Installed

We install your new roof and you start making affordable monthly payments. Zero out-of-pocket on day one.

Why Finance?

A New Roof Is an Investment, Not an Expense

Delaying roof repairs costs more in the long run. Financing lets you act now and protect your home’s value.

Protect Home Value

A new roof adds 60-70% of its cost to your home’s resale value. A damaged roof does the opposite.

Prevent Costly Damage

A leaking roof leads to mold, structural damage, and interior repairs that can cost 5-10x more than the roof itself.

Lower Energy Bills

Modern energy-efficient roofing materials can reduce cooling costs by up to 30% — savings that offset your monthly payment.

Keep Cash in Reserve

Finance instead of draining your savings. Keep your emergency fund intact while still getting the roof you need.

Act Now, Pay Later

Don’t wait for the next rainstorm to cause thousands in water damage. Get your roof fixed today with $0 down.

Possible Tax Benefits

PACE interest payments may be tax-deductible. Energy-efficient upgrades may qualify for federal or state incentives.

FAQ

Financing Questions

What credit score do I need?

GoGreen Financing typically requires a minimum credit score in the mid-600s, though requirements vary by lender. PACE financing through Renew Financial is based on your home equity and property tax payment history rather than your credit score — making it accessible to more homeowners.

What's the difference between GoGreen and PACE?

GoGreen is a traditional home improvement loan — you make monthly payments directly to the lender, similar to a personal loan or HELOC. PACE (Renew Financial) is a property assessment — your payments are added to your annual property tax bill and transfer with the property if you sell. GoGreen is better if you plan to sell soon; PACE is better if you want the lowest possible monthly payment and equity-based approval.

Can I finance emergency roof repairs?

Yes. Both financing options cover roof repairs and full replacements. If you have an emergency, call us at (844) 867-2259 and we’ll get your roof secured immediately while working through the financing application in parallel.

How long does approval take?

GoGreen pre-qualification takes minutes online with no impact to your credit score. PACE approval through Renew Financial is typically same-day once your property eligibility is confirmed. In most cases, you can go from application to approved contractor work within a few days.

Is there a penalty for paying off early?

GoGreen loans generally do not have prepayment penalties — you can pay off your balance early and save on interest. PACE terms vary, so ask your Renew Financial representative about early payoff options.

What happens to PACE financing if I sell my home?

PACE financing is tied to the property, not the homeowner. When you sell, the remaining balance transfers to the new owner as part of the property tax assessment. This can actually be a selling point — the buyer inherits a brand-new roof with payments already built into the tax bill.

Does TopCal charge extra for financed projects?

TopCal Roofing does not charge any markups or surcharges for choosing to finance — the project price we quote you is the same whether you pay cash or finance, and the $500 OFF promotion applies to financed projects too. However, your lender may charge origination fees, processing fees, or other costs as part of their loan terms. We recommend reviewing all lender disclosures carefully before signing any financing agreement. TopCal does not control lender fee structures.

Don't Let Budget Stop You FromProtecting Your Home