Now Available in 49 States

Buy a Home With Zero Down, Zero Cash to Close & Lower Bills

Most homebuyers don't plan for utility bills, down payments, and closing costs. Lowtility covers all three — so you keep your savings and move in for less.

See If You Qualify How It Works
Free PITI + Utilities analysis · No obligation · No credit pull
Up to 5% Down Payment Assistance
$0 Cash to Close
Credit Scores 580+
$0
Out of Pocket to Move In
5%
DPA
580
Min Score

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."

  • "I have solar but I'm stuck in a bad loan."

Lowtility was built specifically to solve these problems.

Real Story

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.

Real Scenario

Which Would You Choose?

625 Credit Score
$330,000 Sales Price
$330,000 Appraised Value

What They Got

$45/month less than the traditional mortgage
Kept $23,100 in their savings
An electrified house that makes its own power
No solar lease or lien
625 Credit Score
Traditional
Conventional
Lowtility + DPA
+ Solar
Loan Amount
$313,500
$353,489
Interest Rate
6%
6%
Mortgage (P&I + MI)
$2,226
$2,281
Utility Payment
$200
$100
Total Monthly
$2,426
$2,381
Cash for Down Payment & Closing
$23,100
$0

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.

See If You Qualify In Minutes
What Is Lowtility?

Stop Renting. Start Owning.

Without draining your savings to do it.

Lowtility bundles your mortgage, down payment assistance, and solar energy into one loan. No second mortgage. No solar lease. No hidden fees.

$0 down, $0 to close

Lowtility DPA covers up to 5% of your purchase price. Keep your savings in your account.

Your house makes its own power

Solar + battery backup rolled into the mortgage. Your utility bill drops to near-zero from day one.

Qualify for more home

No utility bill = more money toward your mortgage. Get the home you actually want, not just what's left over.

One loan. That's it.

No second mortgage, no solar lease, no lien. Everything bundled into a single, simple payment.

Holding keys to a new home
Real people. Real savings.
Why It Works
$0
Down payment
$0
Cash to close
No income limits
625+ credit score
Any location
First-time or repeat
All in ONE loan — no catches.
The Key to Affording More Home

What Is Buying Power?

Slide to see how much more home you could afford.

Lenders look at your total monthly cost — not just your mortgage. When your utility bills go down, the home you can afford goes up.

Your Current Utility Bill
$275
per month
$100/mo $500/mo
Extra Buying Power
+$45,826
more home you can afford
Monthly Savings
$240
back in your pocket
Starter home with front yard
Your utility bill decides how much home you can afford.
Lowtility drops your bill to ~$35/mo — the rest becomes buying power.
Get My Custom Numbers
1

Your monthly budget

What you can spend each month on housing costs

2

Lowtility cuts your energy

Solar + battery drops your utility bill to near-zero

3

You qualify for more home

Freed-up money goes toward your mortgage approval

Additional buying power unlocked by eliminating your utility bill — without increasing your monthly payment. Results vary based on qualification, interest rate, and other factors. PRMI NMLS 3094. Equal Housing Lender.

Real Numbers

See What Lowtility Looks Like
for Buyers Like You

Two real scenarios. Zero fluff.

Two real scenarios showing how Lowtility changes the math on homeownership.

The Garcia family
First-Time Buyer

The Garcias

$350,000 Home · 580 Credit Score
Traditional With Lowtility
Down Payment
$12,250
$0
Cash to Close
$8,500
$0
Monthly Utilities
$275
~$35
Total Monthly
$2,620
Total Monthly
$2,553
Monthly savings
$67/mo
$804 saved per year
$0 out of pocket to close
The Johnson family
Move-Up Buyer

The Johnsons

$430,000 Home · $465/mo Utility Bill
Traditional With Lowtility
Down Payment
$15,050
$0
Cash to Close
$10,200
$0
Monthly Utilities
$465
~$35
Total Monthly
$3,143
Total Monthly
$3,143
Same monthly cost, but
+$41,000
in additional buying power
$0 out of pocket to close

*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.

The Math Doesn't Lie

What Homeownership Actually Costs

Most lenders skip the utility bill. We don't.

Slide to your home price and see how the numbers compare — mortgage, utilities, cash to close, everything.

Home Price
$330,000
625 credit score · 6% rate · 30-year fixed
$200K $600K
You Save
$45/mo
lower monthly cost
You Keep
$23,100
in your savings
Monthly Breakdown
Traditional
With Lowtility
Loan Amount
$313,500
$353,500
Mortgage (P&I + MI)
$2,226
$2,281
Utility Payment
$200
$100
Total Monthly
$2,426
$2,381
Cash to Close
$23,100
$0
$0 down, $0 to close
House makes its own power
No solar lease — no lien
One loan, one payment

Example based on illustrative scenarios. Actual results vary based on qualification, location, interest rate, energy usage, and other factors. PRMI NMLS 3094. Equal Housing Lender.

Run My Numbers
Find Your Path

One Program. Built for You.

Buying, refinancing, selling, or installing — we've got you.

Whether you're buying your first home, upgrading your current one, closing more deals, or going solar — Lowtility meets you where you are.

Family moving into their new home

Homebuyers

$0 down, $0 to close, lower bills — and up to 5% in DPA. This is how you stop renting.

625+ Credit Score
See If You Qualify
Homeowner upgrading their home

Homeowners

Refi with a 5 Day HELOC, add solar, or lower your rate. Make your house work harder for you.

5 Day HELOC
Get Started
Open house showing

Real Estate Agents

Buyers who qualify for more home buy more listings. Move stale inventory — without cutting price.

Move Old Listings
Learn More
House with solar panels

Solar Reps

Help homeowners refi old panels or go solar for the first time — financed through the mortgage, not a lease.

Solar + Mortgage
Partner With Us
In Your Neighborhood

Lowtility homes are already popping up in neighborhoods across the country

625 credit score, $2,500, and you could own a home with solar — yard sign and all.

Lowtility $0 Down yard sign in front of a home for sale
Lowtility 625 credit score yard sign in front of a home

How It Works

Three Steps. Zero Surprises.

From pre-approval to move-in — here's how it goes.
1

Get Pre-Approved

Take the quiz or connect with our team. We'll run your real numbers — including DPA, utility savings, and buying power — so you know exactly what you can afford.

2

Find Your Home

Shop with your agent — anywhere in the country. No income caps, no location limits, no surprises. Just more home for your money.

3

Close & Start Saving

Solar and energy upgrades get bundled into your loan — $0 out of pocket. You build equity and save on utilities from the day you get the keys.

Do You Qualify?

Check What Applies to You

Tap each box that fits.

Most people qualify for more than they think. Check the boxes and see where you stand.

  • I have a 580+ credit score
  • I'm looking to buy a home
  • I want $0 down payment
  • I'd love lower monthly bills
  • I want a home that makes its own power
  • I'd prefer one loan, one payment
Your Qualification
0/6
Start checking boxes
See how many you match
$0
Down Payment
5%
DPA Available
580
Min. Credit
See If You Qualify

What our Customers say

about lowtility

See What our happy customers had to say about their experience.

Where We Lend

Licensed in 49 States Nationwide

Our branch serves 26 states directly. Need a loan somewhere else? We've got you covered through PRMI's nationwide network.

Our Branch (26 States)
Available Through PRMI (23 States)
Not Available (NY)
26
Branch States
49
Total States
580+
Min. Credit Score
Lowtility logo
Who We Are

Backed by One of the Largest
Mortgage Lenders in the Country

This isn't a startup. It's a program you can trust.

Lowtility is built by experienced mortgage professionals and powered by PRMI — a nationwide lender with billions in annual originations and dozens of industry awards.

$5-6B
in loans originated annually by PRMI
49 States
licensed nationwide (all except NY)
580+
minimum credit score to qualify
Awards & Recognition
#1 Customer Satisfaction badge
#1 Customer Satisfaction
Experience.com · 2023
Top 10 Mortgage Company badge
Top 10 Mortgage Company
Experience.com · 2022
Top 50 Mortgage Companies badge
Top 50 Mortgage Companies in America
Mortgage Exec Mag · 2023
Best Workplaces for Millennials badge
Best Workplaces for Millennials
Great Place to Work · 2021
50 Best Companies to Work For badge
50 Best Companies to Work For
Mortgage Exec Mag · 2025
PRMI NMLS 3094
NMLS# 919520
Equal Housing Lender
Great Place to Work Certified

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.

FREQUENTLY ASKED QUESTIONS

Quick answers to the questions we hear most.

Everything new buyers want to know about how Lowtility works, who qualifies, and what makes it different.

Q What exactly is Lowtility?
A
Lowtility is a mortgage program that lets you finance home improvements that lower your cost of living — even if the loan amount exceeds the sales price or appraised value. The result: your utility payments drop more than your mortgage payment goes up. It's the loan designed to lower the operating costs of a home. Many of our customers use it to add solar to their home, so they can produce the electricity their home uses for less than they'd pay a utility company. Combined with our Down Payment Assistance product, it's a way for homebuyers to get into a home with zero down and a lower utility bill.
Q How is this different from a normal mortgage?
A
A normal mortgage only funds the house. Lowtility adds energy-saving improvements — solar panels, battery backup, smart home systems — into the same loan. Because those improvements reduce your utility bills, your total monthly cost (mortgage + utilities) can be lower than a traditional loan on the same home.
Q How is zero down payment possible?
A
Lowtility does not charge the dealer fees that solar companies are normally billed by lenders (typically 15–40% of system cost). Because those fees do not exist here, the solar company passes those savings to you as contributions toward your down payment and closing costs — enough to cover them entirely in many cases.
Q What credit score do I need?
A
Our minimum is 580 with compensating factors, or 620 without. Unlike many DPA programs, there are no maximum income overlays and no geographic overlays — meaning more buyers qualify here than for most traditional down payment assistance.
Q Will my monthly payment be higher because of the solar?
A
Your mortgage payment will be slightly higher — but your utility bills will drop significantly. In real borrower examples, the utility savings exceeded the mortgage increase, resulting in a lower total monthly cost. What matters is mortgage + utilities combined, not the mortgage alone.
Q Will I own the solar panels?
A
Yes. Because solar is financed through your mortgage — not a lease or a separate solar loan — you own the panels outright from day one. No solar company lien, no lease payment, no complications when you sell.
Q This sounds too good to be true. What's the catch?
A
The math is straightforward: your loan balance is higher, but your utility bills are lower. We run a simple formula — buying power in your utility payments minus the cost of the solar system. If the result is positive, it works in your favor. If it does not make sense for your situation, we will tell you before you go any further.
Q Is this one of those predatory solar loans I've heard about?
A
No. Traditional solar loans hide dealer fees of 15–40% of system cost inside the loan — in one real example, a couple paid $99,921 for a system that cost under $22,000. Lowtility does not charge those fees. Our mission specifically includes protecting homebuyers from predatory solar financing.
Q What happens when I sell my home?
A
That is what makes this program great. As long as you sell your home for at least what you owe on your mortgage, there is nothing extra to do — the new buyers get solar included with the purchase. No lease to transfer, no lien to pay off, no complications. The solar just comes with the home.
Q Can this be done as a refinance?
A
Yes. Many existing homeowners are using Lowtility to add renewable energy into their mortgage through a refinance. If you already own your home and want to add solar, battery backup, or other utility-reducing improvements, a Lowtility refinance may be a great fit.
View all 47 FAQs

Ready to See Your Numbers?

When energy costs are designed into the loan, the impact shows up NOW, and grows over time.

Lowtility white roof logo with a small orange sun

© 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