Michigan Septic Tank & Water Improvement Loan

Michigan State Housing Development Authority

Available Home Repair

About This Program

Michigan Septic Tank & Water Improvement Loan is available to homeowners in Escanaba, MI.

Low-interest loan program to repair or replace failing septic systems, wells, or water systems in Michigan. Available to homeowners with income at or below 115% AMI. Administered locally through Delta County Health Department.

Loan amount based on repair needs, repaid at 3% interest over 5 years

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

In Escanaba, MI, you can combine this program with other local help to cut your cost:

Key Details

  • Loan up to $7,500 at 3% interest
  • Septic, well, and water system repairs
  • Income at or below 115% AMI required
  • 5-year repayment term
  • Administered through Delta County Health Department

How to Apply

Get free help applying Visit Official Program Page Track this program

(906) 786-4022

A grant-savvy contractor in Escanaba, MI 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 Escanaba 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.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • 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: Applications accepted year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Michigan Septic Tank & Water Improvement Loan provide in Escanaba, MI?

Loan up to $7,500 at 3% interest.

Who qualifies for Michigan Septic Tank & Water Improvement Loan in Escanaba?

Michigan Septic Tank & Water Improvement Loan is open to homeowners in Escanaba, MI.

How do I apply for Michigan Septic Tank & Water Improvement Loan in Escanaba, MI?

Apply directly with Michigan State Housing Development Authority using the official program link on this page or call (906) 786-4022. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Escanaba, MI contractors

Find More Programs in Escanaba, MI

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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