REAP: Per https://www.rd.usda.gov/programs-services/ “REAP provides solar panel grant funding for up to 25% for new solar installation. The loan guarantees can cover up to 75% of the solar project cost. These grants and loans are awarded on a competitive basis.”
PACE: Per  https://floridapace.us/ “The Florida PACE Program was created to facilitate and finance energy efficiency projects, renewable energy projects, and/or wind hardening projects for residents, organizations, institutions and businesses in participating municipalities in Florida, as authorized by Florida Statute 163.08.“ The PACE program is not a loan. It is a property assessment payback through your property taxes.