This paper describes a method making solar heating economically desirable by choosing the types of systems and levels of fuel savings that permit a well-designed simple system to be installed with no cash outlay on the part of the homeowner and no increase in the cash flow experienced. In some cases, the cash flow may actually be reduced. The method assists installers in determining where sales efforts can most profitably be placed and suggests that they are a part of the overall financing scheme, since they can frequently locate the proper lending agency to finance the projects. Limited experience has already shown the methods herein described to be useful. Solar heating should increase in importance as more installers employ the suggested methods of selecting installations and of financing them.