Massachusetts Housing Finance Agency
Affordable fixed-rate loans for septic system repair or replacement. Offers 5-year loans at competitive rates with no prepayment penalties. For income-eligible borrowers, the Massachusetts Title 5 program provides 0% interest loans. Available to 1-4 family homes in Massachusetts.
Loan amount based on typical septic replacement cost
Official source site checked live on 2026-06-17.
Data last verified 2026-06-09. How we verify our data.
A grant-savvy contractor in Westborough, 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 Westborough early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
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
Documents you will likely need
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
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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