Buy a Home with:
Zero Down
Zero Cash to Close
Lower Utility Bills
Most buyers think they can’t afford a home because they don’t have the down payment...
Lowtility fixes that. Our program gives homebuyers the option of zero money down, zero cash to close, AND a lower utility bill — all in one loan.
$0 Down Payment
Low Closing Costs
Lower Monthly Payment
Buying a home Feels Impossible Right Now.
It’s discouraging to feel like you’re doing everything right… and still can’t get ahead.
You’re not alone — and it’s not your fault.
Saving for a Down Payment is hard.
Closing costs drain your savings.
Monthly bills keep rising.
Utility costs are rising.
The process feels confusing and overwhelming.
It Feels Like the System Isn’t Designed for You
Everyone deserves a home without draining their savings to get there.
That's where Lowtility comes in...
Imagine Owning a Home That Finally Fits Your Budget
You own your home.
Your payment feels manageable.
Your utilities go down.
Your savings are growing.
And for the first time in a long time...
You finally have breathing room.
You feel financially safe again.
That’s what Lowtility makes possible.
Unlock Homeownership Through Lowtility
Lowtility exists to remove financial friction from homeownership.
We help eligible home buyers combine home financing with energy-efficient improvements so the numbers feel clearer, the payment feels lighter, and the path forward feels possible.
Buy a House
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Enjoy Down Payment Assistance & Low Closing Costs*
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Bundle Home Energy Upgrades to reduce utility costs
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With Lowtility
Homeownership feels possible again
We help you buy a home with:
$0 Down Payment
Zero Cash to Close Options
Lower Monthly Expenses
One Predictable Payment
Less Stress
More Clarity
A Path That Finally Feels Doable.
3 Simple Steps to Homeownership
Our streamlined process helps you move into your new home faster with no upfront cash required.
Tell Us What You're Looking For
A quick conversation gives us everything we need to understand your goals — no pressure, no obligation.
Get a
Personalized Plan
We design a buying path that removes upfront costs and lowers monthly expenses in a way that fits your life.
Move Into Your Home Confidently
More breathing room. More predictability. More stability.
This is Built for Homebuyers who...
Want zero money down and zero cash to close
Don't want to drain their savings account
Care about monthly affordability
Want a smarter, future-proof home
Low Utility Bills
Are tired of being told "you can't afford it"
What this Means For You
Keep your cash for what matters most while building equity from day one.
Zero Out-Of-Pocket Costs
Solar incentives + zero-down financing dramatically reduce upfront costs.
Instant Monthly Savings
Save on utility bills from day one, offsetting mortgage expenses.
Build Equity Faster
Instead of renting, buyers get into a home sooner and start building wealth.
Keep Your Cash for What Matters
Furniture, moving costs, emergencies, and savings stay in your pocket.
Predictable Monthly Costs
One combined monthly picture helps buyers plan with confidence and avoid surprise expenses.
More Financial Breathing Room
Lower overall housing expenses can free up cash for life — not just the mortgage.
Makes the difference:
You own your home.
Your budget feels lighter.
You finally have breathing room.
Your future feels stable again.
That's what Lowtility makes possible.
Trusted by Homeowners
(Who used to be homebuyers Just like you)
See What our happy customers had to say about their experience.
Got Questions? We Have Answers
Everything you need to know about zero-down solar home purchases
What is Lowtility?
Lowtility is a mortgage option that combines home financing with energy upgrades and down payment assistance. It’s designed to lower the total cost of owning a home, not just the mortgage payment.
How is Lowtility different from a regular mortgage?
Most mortgages only look at PITI. Lowtility also considers utility costs and allows certain energy upgrades and assistance to be included in one loan.
How does Lowtility make homes more affordable?
By reducing future utility expenses and using available assistance, buyers may qualify for more home without increasing their overall monthly budget. Results vary by borrower and home.
What does “true cost of homeownership” mean?
It means looking at the full monthly cost: mortgage plus utilities. Ignoring utilities can limit buying power more than most buyers realize.
Can I really buy a home with little or no money out of pocket?
Some buyers may qualify for programs that help cover down payment and/or closing costs. Eligibility depends on borrower qualifications and program guidelines.
What is the Grid to Green Down Payment Assistance program?
Grid to Green is an assistance option that may provide funds toward down payment, closing costs, or rate buydowns. It is structured as part of the primary mortgage, not a separate loan.
Are there income or location limits to the assistance?
Grid to Green does not have traditional income or geographic overlays. All assistance is subject to loan approval and program availability.
Does Lowtility include solar and energy upgrades?
Eligible homes may include solar, battery backup, and other energy-efficient upgrades. The exact options depend on the property and borrower qualifications.
Do I own the solar system, or is it a lease?
The system is owned by the homeowner and included in the mortgage. There are no solar leases or power purchase agreements.
Is everything really in one loan?
Yes. The home purchase, eligible energy upgrades, and assistance are combined into a single mortgage with one monthly payment.
Will my monthly payment be higher?
Not necessarily. Many buyers focus on total monthly housing cost, including utilities, rather than mortgage payment alone.
How does Lowtility increase buying power?
Lower projected utility costs can improve affordability calculations. This may allow some buyers to qualify for more home within the same budget.
What credit score do I need to qualify?
Minimum credit requirements vary by loan type and state. Payment history and overall credit profile are also considered.
How do I see if I qualify?
You can start with a quick review of your income, credit, and estimated utility costs. There’s no obligation to move forward.
Still have questions?
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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
