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Septic System Repair Loans

Is your septic system failing or in non-compliant with the Commonwealth's Title V requirements? MassHousing's low- and no-interest Septic System Repair Loans can help.

How to Apply

Septic System Repair Loans are originated by participating lenders. Contact a participating lender.

Loan Terms

  • Owners of 1- to 4-family homes and condominiums are eligible
  • The minimum loan amount is $1,000; the maximum loan amount is $25,000
  • Loan terms vary from 3 to 20 years
  • Interest rates range between 0% and 5%, depending on household income

Income Limits

Borrowers must meet income eligibility requirements to qualify for a Septic Repair loan. View Income Limits.

Quick Links

Participating Lenders

Septic Repair loans are originated by approved banks, credit unions, and lenders across Massachusetts. View a list of participating lenders.

Today's Interest Rates

Points Rate
0 0%, 3%, 5%*
*Depending on income
 Septic Repair Documents
Document  Septic Repair Loan Program Income Limits
Document  Septic Repair Loan Program Brochure
Document  MassHousing Second Mortgage Programs