Buy a Home in 2026
with $0 Dollars Down
With Lowtility, you can buy a home and add solar, home upgrades, and even pay off debt — all in ONE simple loan that can lower your monthly costs. Zero Dollars Down. No waiting. Just a smarter path to homeownership.
A Smarter Way
to Buy Your Home
Buying a home is expensive. Saving for a down payment is hard.
Lowtility helps you buy a home without needing a lot of money upfront, and it can help lower your monthly costs after you move in.
🏠 $0 Down Home Buying
☀️ Add Solar & Home Upgrades
💸 Lower Monthly Costs
You get one mortgage that covers your home and the upgrades you want.
Buy Your Home + Everything it Needs
Solar panels
Home Batteries
Smart Home Features
Energy-efficient appliances
Home Repairs
EV Charging
Even paying off small debts to help you qualify
This all happens during the home buying process, so you move in with a home that’s ready, upgraded, and more affordable to live in.
We Make Buying a Home Easier
$0 Down Payment Options
Our Grid to Green DPA can cover your down payment and sometimes closing costs too — with no income limits.
Lower Monthly Costs
Solar + smart upgrades can replace your power bill and help reduce your total monthly expenses.
Flexible Approval Options
Credit scores 550+ (620 in Texas) may qualify.
Lowtility is built to help real families buy homes — not just people with perfect credit.
$16,000*
That's what the average homebuyer unlocks when they take advantage of our Energy-Smart DPA.
We Make Buying a Home Easier
$0 Down Payment Options
Our Grid to Green DPA can cover your down payment and sometimes closing costs too — with no income limits.
Lower Monthly Costs
Solar + smart upgrades can replace your power bill and help reduce your total monthly expenses.
Flexible Approval Options
Credit scores 550+ (620 in Texas) may qualify.
Lowtility is built to help real families buy homes — not just people with perfect credit.
How It Works
Tell us about the home you want
We check your $0 down options and estimated savings.
We build your home + solar plan
You see the monthly cost, savings, and upgrades you can include.
Buy your home and move in
Your home comes with the upgrades you choose — in one mortgage.
See How Families Are Saving With Lowtility
"Cut our $300 bill down to $40"
“Our $300 utility bill dropped to $40. That extra buying power helped us get the home we wanted without stretching our budget.”
- The Johnsons
"No Extra Hassle"
"We used to feel stuck renting power. Now, thanks to Lowtility, our mortgage covers our solar system. We’re saving and building equity."
- Maria & Ben
"Highly recommend this"
"Lowtility made it simple — no second lien, no hidden fees. Just one loan and lower bills."
- Kirsten
What Our Customers Are Saying
See What our happy customers had to say about their experience.
Ready to Buy Your Home? Let’s Make It Affordable.
MENU
CUSTOMERS
SOCIAL
© 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
