Some Deals Just Need Another Option

Lowtility offers homebuyers a way of zero down, zero cash to close, and a lower utility bill — giving Realtors a clearer, easier path to help more clients get into homes.

Buyers Qualify with less cash upfront

No Income Restrictions

Reduce Buyers Monthly Utility Costs

No location restrictions

You Have Motivated Buyers,

But Money Keeps Holding Them Back

Most agents aren’t struggling to find people who want to buy.

They’re struggling to help buyers who:

Can’t save enough for upfront costs.

Are stretched thin by rising monthly expenses.

Keep getting discouraged by affordability.

They make too much money to qualify for traditional downpayment assistance.

Are stuck because utilities + rent keep going up.

Where they want to buy, isn't eligible for a DPA.

Good buyers aren’t saying “no.”

They’re saying “I just don’t think I can afford it right now.”

**todays buyers aren't broken, They're scared.**

Everyone Deserves A Home Without Draining Their Savings To Get There.

It's frustrating to watch qualified and motivated buyers lose hope because the numbers make them feel stretched thin.

Lowtility exists for the deals that feel almost doable — but don’t quite pencil out.

We get it and we're here to help you change that conversation.

Help Your Buyers Unlock Homeownership Through Lowtility

Lowtility exists to remove financial friction from homeownership.

We help eligible buyers and homeowners combine smart 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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Reduce Upfront Costs with Downpayment Assistance

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Bundle Home Energy Upgrades to reduce utilities

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the Harsh Reality is that people Feel Like they can't afford to buy a house....

Only 35% have started saving for a down payment.

Just 28% of those who planned to buy in 2025 actually did with 18% saying prices kept them out.

Everyone deserves a home to live in without draining their savings to get it.

A clearer path = buyers who move forward sooner.

Give Your Buyers What They Actually Need

Typical assistance programs come with hoops, limits, and uncertainty.

Lowtility turns energy upgrades into actual loan benefits—so you can help more buyers, in more ways.

Real Down Payment Help

In many cases, buyers may qualify for assistance that helps reduce the upfront cash needed to buy a home.

Interest Rate Buy Downs

Certain structures may allow buyers to use available funds to lower their interest rate and monthly payment.

No Funding Surprises at Closing

Funds are structured upfront, helping avoid last-minute changes that can stall or kill a deal.

Zero Cash to Close

Depending on qualifications, some buyers may have options that minimize or reduce out-of-pocket costs at closing.

No Income Limits

Unlike many traditional DPA programs, income caps often don’t apply—making this usable for more buyers.

No Second Liens

The assistance is built without adding extra liens or repayment loans that complicate the transaction.

Ready to unlock even more business?

Imagine Helping Your Clients Own a Home That Finally Fits Their Budget

They own their home.
The payment feels manageable longterm.

Their utility costs go down.

And for the first time in a long time...

They finally have breathing room.
And feel financially safe again.

That’s what Lowtility makes possible.

Before You Default to Your Usual Traditional DPA Program...

Take a moment to compare the options:

Traditional State DPA

(What you're used to)

Income limits that exclude many buyers
Geographic restrictions
Second liens or silent seconds
Long approval timelines
Funds that may or may not be available at closing
Little flexibility once the deal changes

These programs work best when the buyer fits a narrow box.

Lowtility

Down Payment assistant program

No income overlays in many cases
No geographic overlays
No second liens or repayment loans
Can be used for down payment, closing costs, or rate buydown*
Energy upgrades can help improve monthly affordability.
Structured to keep the transaction clean.

**It's designed for buyers who almost qualify - but need flexibility.**

Most agents use the same DPA Programs out of habit.

Not because they're bad - but because they're familiar.

Compare Your State Down Payment Assistance Program with Lowtility

Run the comparison.

You don't have to switch lenders.

You don't have to promise anything to your buyer...

Just see the difference.

If the traditional DPA wins, great.

If Lowtility gives them a better path, you'll know.

Either way - you've done right by your client.

* All programs subject to borrower qualifications, underwriting, and availability. Options are not guaranteed.

Your buyers Want a Path Forward,

Not Another Dead End

When buyers don’t understand their options, they tend to wait…
and waiting often means losing momentum.

A simple conversation can give them the clarity they need to move confidently toward homeownership.

What Our Customers Are Saying

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

How It Works

Refer Your Buyer

Send them to us through a quick referral form - we take it from there.

We Help Them Explore Their Options

Our team reviews their situation, explains available programs, and helps them understand what may fit their budget.

You Continue the Home Search With Confidence

Your buyer knows what's possible, what they can afford and what path gets them into a home.

The Lowtility Mortgage Program helps agents:

Expand Buyer Eligibility

Certain financing options may reduce or minimize upfront costs for qualified buyers.

Make the monthly payment more manageable.

Energy-efficient upgrades can reduce utility bills, helping buyers fit comfortably into a home.

Strengthen offers with confident buyers

A clearer path = buyers who move forward sooner.

Close faster, with fewer setbacks

Simplified payment structures and guided communication help keep deals moving.

Differentiate your value as an agent

You’re not just showing homes — you’re bringing solutions.

Want to Partner With Us?

Looking for another way to solve affordability challenges?

Partner with Lowtility to give your buyers more options—without adding complexity.

Makes the difference:

More Buyers Qualify

Fewer Deals Fall Apart

Stronger & Cleaner Offers

A Simple Process (No Extra Headaches