The basic answer is that the PV is not a load, plain and simple. So it is never added to the load. When operating it subtracts from or reverses the load. But since you can't count on its being there 100% of the time, you don't subtract it from the load either for this type of calculation. If it is a customer owned transformer, it probably stays the same size. If the PV size were closer to the full capacity of the transformer, that might be less sure of a thing, since the PV may operate more continuously than the load in the middle of sunny days.
The longer more complicated answer involves the impedence of the local grid and the utility's obligations to other nearby customers. For example, if it's a utility owned transformer that serves multiple customers, and they all have solar systems, the total solar backfeed in the middle of a sunny day might exceed the load that an existing transformer was designed for. The impedence of the transformer also affects the local voltage, and the utility calculations might call for a change for that sort of reason.