Buy a Home Without Emptying Your Savings
You may not need years of savings to become a homeowner. Lowtility helps qualified buyers explore zero-down options—and, in some cases, options requiring zero cash to close.
- Explore zero-down home financing options
- Keep more of your savings for moving, emergencies and life
- Get a homebuying plan based on your actual numbers
- No cost and no obligation to explore your options
Could you qualify for zero down?
Answer a few simple questions to explore your options. It takes about two minutes and won't affect your credit.*
If the Down Payment Is Holding You Back, You're Not Alone
Home prices have risen faster than many buyers can save. You may earn enough to handle a mortgage payment but still feel stuck because of the upfront cash. That doesn't necessarily mean you have to give up—or wait several more years.
You shouldn't assume you have to wait until you've saved a large down payment. A quick conversation can help you understand what options may already be available.
Explore My OptionsThree Simple Steps From "Maybe Someday" to a Homebuying Plan
No confusing paperwork marathon. Start with a few questions, have a short conversation and leave with a clearer path forward.
Tell us about your goals
Answer a few simple questions about where you want to buy and your general financial picture. There is no cost or obligation.
Review your options
Talk with a home loan specialist for about 15 minutes. We'll help you understand whether a zero-down or down-payment assistance option may fit your situation.
Start shopping confidently
If you're ready and qualify, we'll help you complete your preapproval and understand your price range before you begin looking for a home.
A Clearer Path to Buying a Home
Keep more money in savings
Explore financing options that may reduce or eliminate the down payment you need to bring.
Know your real numbers
We'll help you understand the payment, estimated cash needed and price range before you begin shopping.
Get a plan—not a sales pitch
You'll receive straightforward guidance based on your situation, with no cost or obligation to explore your options.
Down Payment Questions, Answered
Do I really need zero money down?
Some qualified buyers may be able to purchase with little or no down payment, and in some cases with no cash to close. What's available depends on your situation—which is exactly what we'll review together.
Will exploring my options affect my credit?
Getting started takes about two minutes and does not require a hard credit pull.* We'll let you know before any step that would.
What does it cost to talk with you?
Nothing. There is no cost and no obligation to explore your options and get a homebuying plan based on your actual numbers.
What if I'm still a few months away from buying?
That's a great time to start. Knowing your numbers early helps you plan and shop with confidence when you're ready.
Homeownership May Be Closer Than You Think
Find out whether you could buy with zero down—or, in some cases, zero cash to close. It takes about two minutes to get started.
See My Homebuying Options
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© 2026 Lowtility by Primary Residential Mortgage Inc. 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. 1597 Woodland Park Drive, Layton, Utah 84401
