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.

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.

What Is Lowtility?

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:

  • Zero down payment Grid to Green DPA covers up to 5% of your purchase price toward down payment and closing costs.
  • Zero cash to close For most buyers, you don't need to bring a single dollar to closing. No draining your savings.
  • 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.
  • Unlock more buying power Eliminating your utility bill means that money goes toward qualifying for a bigger home — without raising your monthly payment.
The Lowtility Difference
$0 Down
for most qualified buyers
$0 Close
zero cash to close
No income limits
No geographic restrictions
Credit scores as low as 580
First-time or repeat buyers
All in ONE loan — no extra liens, no leases, no second loans.
The Key to Affording More Home

What Is Buying Power?

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

🏠
Your Monthly Budget
What you can spend each month on housing
−
⚡
Lower Utilities
Lowtility reduces your energy costs
=
🔑
More Buying Power
More room in your budget for a bigger loan
❌

Without Lowtility

High utility bills eat into your monthly budget. Lenders count that against you, which limits how much home you qualify for.

✓

With Lowtility

Lower energy costs free up room in your budget. That money shifts directly into what lenders will approve — meaning more home for the same monthly cost.

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:

Monthly Utility Bill
$100
↓
Extra Buying Power
+$16,679
Monthly Utility Bill
$200
↓
Extra Buying Power
+$33,358
Monthly Utility Bill
$300
↓
Extra Buying Power
+$50,037
Monthly Utility Bill
$400
↓
Extra Buying Power
+$66,715
Monthly Utility Bill
$500
↓
Extra Buying Power
+$83,395

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

Real Numbers

See What Lowtility Looks Like
for Buyers Like You

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

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 Cost
$2,620
Total Monthly Cost
$2,553
Monthly savings
$67/mo
$804 saved per year
$0 out of pocket to close
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 Cost
$3,143
Total Monthly Cost
$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.

Compare Programs

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

Lowtility isn't just more flexible — it's more affordable every month.

Not a homebuyer? We can still help.

Not a homebuyer? We work with the people who make homeownership happen.

I'm a Real Estate Agent
Help your clients save more
→
I'm a Solar Rep
Close more deals with Lowtility
→
I'm a Builder
Solar financing for new construction
→

Simple & Straightforward

Three Steps to Your New Home

1

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.

2

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.

3

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.

Program Highlights

Who Qualifies?

More people than you'd think.

  • Down payment & closing costs covered — up to 5% of purchase price
  • Credit scores as low as 580
  • No income limits — no maximum income overlays
  • No geographic restrictions — available nationwide
  • First-time or repeat buyers welcome
  • Additional federal tax credits available
  • All in one loan — no second liens, no leases, no extra loans
Lowtility Down Payment Program
$0
down payment required
for most buyers
$0
Cash to Close
5%
DPA Available
580
Min. Credit

Find Out in 60 Seconds

How Much Could You Save
with Lowtility?

Answer a few quick questions and we'll show you your estimated savings and buying power.

Question 1 of 5
Are you a first-time homebuyer?
Question 2 of 5
What price range are you looking at?
Question 3 of 5
What do you estimate your monthly utility bill would be?
Question 4 of 5
What's your credit score range?
Question 5 of 5
How much do you have saved for a down payment?
Almost done!
Where should we send your results?
🔒 We'll never spam you. This just lets us personalize your results and follow up if you'd like.
Great news — you likely qualify!
Based on your answers, here's an estimate of what Lowtility could do for you.
$0
Est. Down Payment Help
+$0
Extra Buying Power
See My Full Numbers — It's Free
Free, no-obligation PITI + Utilities analysis. Takes about 15 minutes.

What Homeowners say

about lowtility

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

Who We Are

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.

$5-6B
in loans originated annually by PRMI
49 States
licensed nationwide (all except NY)
580+
minimum credit score to qualify
PRMI
NMLS# 919520
Equal Housing Lender
EnergySage Reviewed

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