City of Gilroy Public Works
Gilroy Sewer Lateral Replacement Loan is available to homeowners in Gilroy, CA.
Low-interest loan program to help homeowners repair or replace failing sewer lateral lines from home to street connection. Loan is repaid through monthly utility bill over 5 years at reduced interest rate.
Low-interest loan repaid over 5 years via utility bill
Official program page checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Gilroy, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Gilroy, CA 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 Gilroy early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
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: Rolling applications
Ask us. It is free, and a real person answers within a business day.
Email us about this programLow-interest loan up to $12,000.
Gilroy Sewer Lateral Replacement Loan is open to homeowners in Gilroy, CA. It has no income limit.
Apply directly with City of Gilroy Public Works using the official program link on this page or call (408) 846-0227. There is no middleman and no fee.
Grant-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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