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.
Funder: Executive Office of Energy and Environmental Affairs
Due Dates: Rolling
Funding Amounts: Low and no-interest loans up to $25,000; specific terms set by participating banks and MassHousing.
Summary: Low-interest loans to help Massachusetts homeowners repair, upgrade, or replace septic systems that have failed Title 5 inspection.
Key Information: Applicants must have a failed Title 5 inspection and meet income and owner-occupancy requirements.
Description
The Homeowner Septic Loan Program is a Massachusetts initiative that provides low- and no-interest loans to homeowners whose septic systems have failed Title 5 inspection. Administered by MassHousing in partnership with participating banks, the program aims to assist eligible residents in financing the repair, replacement, or upgrade of their septic systems. The program is highlighted in the Commonwealth’s official Title 5/Septic Systems financial assistance guidance and is an active resource for those facing costly septic system compliance issues.
