Turn your Utility payment into your
Down Payment
A Down Payment Assistance Program that helps homebuyers unlock hidden buying power and afford homeownership.
A Down Payment Program Powered by Lowtility
Unlock Hidden Home Buying Power Without Raising Your Monthly Costs
Buying a home is hard enough - especially when you're trying to come up with a big down payment. That’s where Grid to Green comes in. We combine down payment and closing cost assistance with smart energy upgrades like solar , high-efficiency HVAC, and insulation - all rolled into your mortgage to help you save money month after month.
How it Works
3 Simple Steps:
1
Get Prequalified
We’ll collect a few details about you, your goals, your income and Credit. With no obligation, we’ll get you pre approved, and set up to shop for a house knowing your down payment and even closing costs are covered through our Grid to Green program.
2
Choose Your House
Work with your agent to find the perfect place to call home.
3
Get your downpayment covered!
When you find the right home within your approved price range, we finalize the paperwork and your Grid to Green funds are applied at closing — simple as that.
The needs of homebuyers are changing.
We're Changing with them.
Program Benefits:
💸 Down Payment & Closing Costs Covered
🔋 Lower Your Monthly Utility Bills
💰 Qualify for Additional Tax Credits
💳 Credit Scores as Low as 580
🌍 No Income or Location Restrictions
🏠 First-Time & Repeat Buyers Welcome
What if your electric bill could help you buy a home?
Most people spend a lot of money every month on utilities.
sometimes hundreds of dollars. That money just disappears. But with the Grid to Green Down Payment Assistance Program, we help you use that money in a smarter way.
Instead of wasting it on high energy bills, you use it to help pay for your new home. It’s like turning your bill into a coupon for your down payment or a way to make your monthly mortgage cheaper.
Same money . Just a different way to use it.
Your home should build your future, not drain your budget.
We’re here to help you turn everyday expenses - like your utility bill - into real buying power, so you can build a future without stretching yourself thin today.
We also offer 100% Home Financing!
If saving up for a down payment is tough, covering the full purchase price probably feels impossible too. That’s why we also offer 100% financing options—so qualified buyers can roll in their down payment, closing costs, and even energy upgrades into one smart loan.
Why Buyers Love this Downpayment Program?
● $0 Down Payment - No cash needed upfront.
● Lower Monthly Payments - Choose a rate buy-down instead.
● Fast & Easy Approvals - No red tape, just results.
As utility prices go up, your “affordable” home becomes harder to maintain. Traditional lenders don’t consider your energy costs when qualifying you—but
you still have to pay them every month.
What others are saying
“We thought homeownership was years away…”
"…but Grid to Green made it happen
now. We didn’t have a down payment saved, and rent was getting more expensive every month. This program covered our down payment and made the process SO smooth. We’re now in our dream home, paying less than we were for rent!"
- Jordan & Maya R.
"Our builder recommended Grid to Green and we’re so glad they did."
"We were first-time buyers with no clue where to start. This program walked us through every step and gave us the boost we needed to qualify. The team handled the paperwork, explained everything clearly, and made buying a home actually enjoyable."
- Samantha D.
“We went solar
and bought a home with zero down.”
"I didn’t even know it was possible to roll energy upgrades into a mortgage. Grid to Green helped us qualify for a home and add solar panels, without paying anything upfront. Our utility bill is basically gone, and the mortgage is still affordable. Total win."
- Carlos & Elena M.
Please fill out the survey below to proceed:
Curious If Grid to Green DPA good for you?
After you submit your answers, a Finance Specialist will follow up with personalized results tailored to your responses.
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© 2025 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
