Buy a Home with Zero Down, Zero Cash to Close & Lower Monthly Bills
Most homebuyers don’t realize how much of their budget disappears into utility bills, down payments, and closing costs they didn’t plan for. Lowtility’s Grid to Green program changes that — covering your down payment and closing costs while lowering your monthly bills from the day you move in.
Free PITI + Utilities analysis. No obligation. No credit pull.
Downpayment Assistance
Cash to Close
Credit Scores as Low as 580
The #1 Mistake Homebuyers Make
When you shop for a home, everyone talks about your mortgage payment — principal, interest, taxes, and insurance (PITI). But nobody mentions the bill that shows up every single month after you move in: your utility bill.
The real cost of owning a home isn’t just PITI. It’s PITI + Utilities.
Electricity, gas, water, and waste can add $200 to $600 per month to your housing costs. That’s money that reduces how much home you can actually afford — and nobody factors it in until it’s too late.
“I could buy today… if I didn’t need the down payment.”
“Closing costs are killing my budget.”
“I don’t want to drain my savings.”
"Affordability stinks."
Lowtility was built specifically to solve these problems.
The Real Monthly Cost
Here's what most lenders won't show you — the true cost of owning a home when you factor in utilities.
Traditional Home
Lowtility Home
Example based on illustrative scenario. Actual results vary based on qualification, location, interest rate, energy usage, and other factors. PRMI NMLS 3094. Equal Housing Lender.
A Smarter Way
to Buy a Home
Lowtility is a mortgage + energy bundle + down payment assistance program — all in one loan. Here's what that means for you:
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Zero down payment Grid to Green DPA covers up to 5% of your purchase price toward down payment and closing costs.
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Zero cash to close For most buyers, you don't need to bring a single dollar to closing. No draining your savings.
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Lower or eliminate your utility bill Solar, battery backup, and energy upgrades are rolled into your mortgage — your home makes its own power from day one.
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Unlock more buying power Eliminating your utility bill means that money goes toward qualifying for a bigger home — without raising your monthly payment.
Buying Power is Hiding in Your Utility Bill
If you eliminate your utility bill, here’s how much more home you can qualify for — without increasing your monthly payment:
Additional buying power unlocked by eliminating your utility bill — without increasing your monthly payment. Results vary based on qualification, interest rate, and other factors.
See What Lowtility Looks Like
for Buyers Like You
Two real scenarios showing how Lowtility changes the math on homeownership.
The Garcias
The Johnsons
*Examples are illustrative and based on approximate figures. Actual rates, payments, savings, and eligibility vary based on credit profile, location, loan program, and current market conditions. This is not a commitment to lend. PRMI NMLS 3094. Equal Housing Lender.
Not All Down Payment Assistance
Is Created Equal
Most DPA programs come with strings attached. Lowtility's is built differently.
| Feature | Typical DPA | Lowtility DPA |
|---|---|---|
| Income Limits | Yes | No |
| Geographic Limits | Yes | No |
| 2nd Liens | Common | None |
| Funding at Closing | Not guaranteed | Guaranteed |
| Monthly Utility Savings | None | Yes |
| Rate Buydown | Sometimes | Yes |
| Cash to Close | Usually required | $0 Possible |
Not a homebuyer? We can still help.
Not a homebuyer? We work with the people who make homeownership happen.
Three Steps to Your New Home
Get Pre-Approved
Connect with our team for a free PITI + Utilities analysis. We'll show you your real numbers — including how much buying power your utility savings unlock and how much DPA you qualify for.
Find Your Home
Shop with your realtor with confidence. No state restrictions. No income caps. No geographic limits. Just more options and more buying power than you expected.
Close, Move In & Start Saving
Solar and energy upgrades are bundled into your loan. Zero out of pocket for most buyers. You build equity and lower your monthly costs from the day you get the keys.
Who Qualifies?
More people than you'd think.
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Down payment & closing costs covered — up to 5% of purchase price
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Credit scores as low as 580
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No income limits — no maximum income overlays
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No geographic restrictions — available nationwide
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First-time or repeat buyers welcome
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Additional federal tax credits available
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All in one loan — no second liens, no leases, no extra loans
for most buyers
How Much Could You Save
with Lowtility?
Answer a few quick questions and we'll show you your estimated savings and buying power.
What Homeowners say
about lowtility
See What our happy customers had to say about their experience.
Backed by One of the Largest
Mortgage Lenders in the Country
Lowtility isn't a startup. It's a program built by experienced mortgage professionals and backed by a lender you can trust.
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend.
Ready to See Your Numbers?
When energy costs are designed into the loan, the impact shows up NOW, and grows over time.
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© 2026 Lowtility. All Rights Reserved.
Lowtility is the name of a suite of mortgage loan programs designed to allow qualified borrowers to make home energy improvements to their home. It is not affiliated with a utility company or a DBA. Primary Residential Mortgage, Inc. NMLS#: 919520 Utah DRE Mortgage Office License # 8335595. MLO 0117736. MC3094-122. All loans subject to credit and property approval. PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. 1165 East Wilmington Avenue, Suite 250 Salt Lake City, UT 84106
