Oregon Septic System Repair Loan Program

Oregon DEQ / Oregon Housing & Community Services

Available Home Repair

About This Program

Oregon provides low-interest loans to repair or replace failing septic systems for owner-occupied homes. Interest rates vary by income, with rates as low as 0% for low-income households. Loan term up to 20 years.

Low-interest loan with rates based on household income, repaid over up to 20 years

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

Key Details

  • Loan up to $30,000 for septic repair or replacement
  • Interest rate 0-6% based on income
  • Must be owner-occupied
  • Loan term up to 20 years
  • Income up to 150% AMI eligible

How to Apply

A grant-savvy contractor in McMinnville, OR 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 McMinnville 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: Rolling applications

Questions about this program?

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Need a Contractor for This Grant?

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

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