Massachusetts Alternative Septic System Loan

Massachusetts Clean Water Trust

Available Home Repair

About This Program

Low-interest loan program for Title 5 septic system repairs, replacements, and upgrades through participating local lenders. Interest rate as low as 2% for up to 20 years. Covers innovative/alternative (I/A) systems and conventional repairs.

Estimate assumes Title 5 septic replacement financed at 2% over 15 years

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

Key Details

  • Low-interest loans at 2% for septic systems
  • Up to $50,000 for repairs or replacement
  • Terms up to 20 years available
  • Covers conventional and I/A systems
  • Through participating local lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(617) 292-5695

A grant-savvy contractor in Westwood, 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 Westwood 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

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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