Washington State On-Site Septic Loan Program

Washington State Department of Health

Available Home Repair

About This Program

Low-interest loans for repairing or replacing failing septic systems. Available through participating lenders statewide. Typical rates 3-5% for up to 20 years. Homeowners Insurance Policy matching requirement may apply.

Loan amount varies by system replacement cost; typical project $20,000-$30,000

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Low-interest loans up to $50,000
  • 3-5% rates for up to 20 years
  • For failing septic system repair/replacement
  • Available through participating lenders
  • No income requirement

How to Apply

A grant-savvy contractor in Lake Stevens, WA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Lake Stevens early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Ongoing through participating lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Lake Stevens, WA

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