MassHousing Septic Repair Loan

Massachusetts Housing Finance Agency

Available Home Repair

About This Program

Low-interest loan program for septic system repair, replacement, or upgrade for Massachusetts homeowners. No income limits. Rates starting at 3% with terms up to 10 years.

Loan estimate based on typical septic system replacement cost

Official source site 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 repair or replacement
  • Low interest rates starting at 3%
  • No income limits, available to all MA homeowners
  • Terms up to 10 years
  • Owner-occupied properties only

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Webster, 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 Webster 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

The MassHousing Septic Repair Loan Program, run with the state Department of Environmental Protection and community lenders, is an affordable way to repair or replace a failing or Title 5 non-compliant septic system. Loans are made through MassHousing lending partners, and income limits vary by community and by the interest rate tier (0, 3, or 5 percent).

Steps to apply

  1. Confirm your septic system is failing or not compliant with Title 5 and that you meet the income limit for your area.
  2. Get an estimate for the septic repair or replacement.
  3. Contact a MassHousing septic loan participating lender serving your community.
  4. Complete the lender's application and close the septic repair loan.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • Documentation that the septic system is failing or Title 5 non-compliant.
  • Proof of household income (limits vary by community).
  • The repair or replacement estimate and the lender's application.
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: Rolling applications

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