MassHousing Septic Repair & Title V Loan

Massachusetts Housing Finance Agency

Available Home Repair

About This Program

Low-interest loan program for septic system repair, replacement, or upgrade to meet Title V compliance. Fixed interest rates and flexible terms available through participating lenders for 1-4 unit owner-occupied homes.

Loan amount covers typical septic system replacement cost; borrower repays with interest

Official program page checked live on 2026-06-17.

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

Key Details

  • Up to $40,000 for septic system repair or replacement
  • Low fixed interest rates through participating lenders
  • Terms up to 10 years
  • No income limits, all homeowners eligible
  • Must be owner-occupied 1-4 unit property

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Oxford, MA 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 Oxford 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.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing program

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