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    US Department of Housing & Urban Development – Federal Housing Administration (FHA) Low-Cost Financing

    FHA-insured loans help homeowners nationwide finance septic system repairs and other property improvements through approved lenders with federally backed terms.

    OverviewSimilar Grants
    OverviewSimilar Grants

    USDA Rural Development Program – Home Repair and Improvement Loans for Septic Systems

    USDA Rural Development offers loans to very low income rural homeowners for essential health- or safety-related home repairs, with a focus on septic system repairs and upgrades.

    Massachusetts EEARolling submissions

    Homeowner Septic Loan Program

    The Homeowner Septic Loan Program offers low- and no-interest loans to Massachusetts homeowners for repairing, upgrading, or replacing failed septic systems to meet environmental standards.

    Massachusetts EEARolling submissions$25,000

    Sewerage Facilities Supplemental Assistance Program

    Sewerage Facilities Supplemental Assistance Program supports local governments with grants alongside loans for sewer improvements addressing affordability, public health, and water quality concerns.

    MDEForecasted Dec 15, 2026$1,500,000Forecasted

    Title 5 Septic Repair Tax Credit (Massachusetts Residential Septic Tax Credit)

    The Title 5 Septic Repair Tax Credit helps Massachusetts homeowners offset costs for repairing or upgrading failing septic systems to protect public health and environmental quality.

    Massachusetts EEARolling submissions$6,000

    Community Septic Management Program

    The Community Septic Management Program funds municipal and homeowner septic system repairs in Massachusetts to protect public health and the environment.

    Massachusetts EEARolling submissions