What ended and what did not
The 30 percent federal Residential Clean Energy Credit under Section 25D expired for property placed in service after December 31, 2025. A cash or loan purchase now receives no federal tax credit.
Section 48E, the commercial credit, survives at 30 percent for third-party owners under leases and power purchase agreements. The provider claims it, and whether any value reaches you depends on the rate offered.
What did not change is the state and utility layer. Delaware net metering, the grant programmes and the SREC arrangement are state and utility constructs rather than federal ones.
So the honest framing is that the stack got thinner rather than collapsing, which puts Delaware alongside Rhode Island, Vermont and New Mexico rather than alongside New Hampshire or Alabama.
The three lines that remain
A grant programme. Seaford is one of the nine municipal utility towns, so the Delmarva-funded Green Energy Program does not apply; ask your municipal utility what its Green Energy Fund programme offers and what prerequisites attach.
Net metering for residential systems up to 25 kW, credited in kilowatt hours rather than dollars, so credits hold their value against rate increases.
SREC income through the Delaware Sustainable Energy Utility, at roughly 1.35 SRECs per installed kilowatt per year, reported at around $30 each for the first ten years and $10 for years eleven to twenty-five.
Ask for each of those three as a separate line in a projection, with the source of each named. Combining them into one savings figure makes all three unverifiable.
And the production estimate underneath
Ask for the annual production figure in kilowatt hours per year, with the data source named and location-specific irradiance for your address rather than a regional average.
Ask what shading analysis was done and what it assumed about tree growth over the system life, and what annual degradation it applied.
Ask what soiling losses it assumed, and check that the SREC line uses the same production figure rather than a different one, since SREC income is generation-based.
That last check is worth doing explicitly. A projection using one production number for bill savings and a more optimistic one for SREC income is internally inconsistent and overstates the total.
Three pieces, and how they stack
Strike the federal residential credit from any quote showing it, since Section 25D expired for property placed in service after December 31, 2025.
Rebuild from your municipal utility Green Energy Fund programme, net metering to 25 kW credited in kilowatt hours, and SREC income at the current procurement terms.
Add the electricity you stop buying, from a production estimate that accounts for shading, soiling and degradation.
Ask for that four-line version in writing, and check that the same production figure runs through both the bill savings and the SREC line.