MassHousing Septic Repair Loan

Massachusetts Housing Finance Agency (MassHousing)

Available Home Repair

About This Program

Low-interest loans for septic system repair, replacement, or upgrade. Fixed interest rates and flexible terms up to 10 years. Available to homeowners in Massachusetts communities without public sewer systems.

Loan covers full cost of septic system work up to maximum amount

Official source site checked live on 2026-06-17.

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

Key Details

  • Loans up to $25,000 for septic work
  • Fixed low-interest rates
  • Terms up to 10 years
  • No income restrictions
  • Available statewide where applicable

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Shrewsbury, 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 Shrewsbury 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

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Need a Contractor for This Grant?

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