In Connecticut, "low and moderate income" ($ 121,650 is moderate? Wow.) wage earners can get subsidies so that they can install complete solar photovoltaic systems with no money down. You still have to make payments on the system, but then again you are getting your electricity for free and may be even selling some back to the utility. The down payment is traditionally the barrier to most people- would you go for this if you could get it where you live?