Buy a Home with Zero Down & Zero Cash to Close & Lower Utility Bills
Lowtility helps you get into a home with no upfront cash and lower monthly expenses, so you finally feel financially safe taking the next step.
$0 Down Payment
Low Closing Costs
Lower Monthly Payment
Buying a home costs too much, too soon.
Saving for a Down Payment is hard.
Closing costs drain your savings.
Monthly bills keep rising.
Utility costs are unpredictable.
The process feels confusing and overwhelming.
It Feels Like the System Isn’t Designed for You
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.
Everyone deserves a stable place to live without draining their savings to get there.
Lowtility makes
homeownership possible again.
We help you buy a home with:
$0 Down Payment
Low Closing Costs
Lower Monthly Expenses
One Predictable Payment
Less Stress
More Clarity
A Path That Finally Feels Doable.
Imagine Owning a Home That Finally Fits Your Budget
You own your home.
Your payment feels manageable.
Your utilities go down.
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.
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 Zero Down 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.
Why Zero-Down Energy Efficient Homeownership Makes Sense
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.
Instant Monthly Savings
No rising utility rates - ever. Predictable energy costs for decades.
Build Equity Faster
Solar systems increase property value by an average of 4% at resale.
Ready to own your home with zero money down?
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.
What Our Customers Are Saying
See What our happy customers had to say about their experience.
Your homeownership Journey Doesn't Have to Stay on Hold
Life gets busy.
Expenses add up.
The right moment never seems to appear on its own.
Sometimes simply getting the information you need can change everything.
See If You Qualify for a Zero-Down Home Purchase
Answer a few quick questions to find out if you're eligible. No credit impact • 100% free • No obligation
Fill Out the Information Below to Receive the Marketing Kit
** Your info is only used to deliver your marketing kit. We won’t spam you or share your information—ever.
No Credit Impact
Checking eligibility won't affect your score
60 Seconds
Quick and easy qualification process
No Obligation
Free consultation with zero pressure
Got Questions? We Have Answers
Everything you need to know about zero-down solar home purchases
How does solar eliminate the down payment?
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Do I need perfect credit?
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Do real estate agents get compensated?
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Can this be used for new construction?
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Does solar affect my mortgage?
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What happens if I sell the home later?
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Is there a separate solar loan?
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How much can I save with solar?
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What if my home doesn't get enough sun?
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How long does the process take?
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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
