Washington State On-Site Septic Loan Program

Washington State Department of Health

Available Home Repair

About This Program

Washington State On-Site Septic Loan Program is available to homeowners in Lake Stevens, WA.

Low-interest loans for repairing or replacing failing septic systems. Available through participating lenders statewide. Typical rates 3-5% for up to 20 years. Homeowners Insurance Policy matching requirement may apply.

Loan amount varies by system replacement cost; typical project $20,000-$30,000

Official source site checked live on 2026-06-22.

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

In Lake Stevens, WA, you can combine this program with other local help to cut your cost:

Key Details

  • Low-interest loans up to $50,000
  • 3-5% rates for up to 20 years
  • For failing septic system repair/replacement
  • Available through participating lenders
  • No income requirement

How to Apply

Get free help applying Visit Official Program Page Track this program

(360) 236-3330

A grant-savvy contractor in Lake Stevens, WA 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 Lake Stevens 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 through participating lenders

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 Washington State On-Site Septic Loan Program provide in Lake Stevens, WA?

Loans up to $50,000.

Who qualifies for Washington State On-Site Septic Loan Program in Lake Stevens?

Washington State On-Site Septic Loan Program is open to homeowners in Lake Stevens, WA. It has no income limit.

How do I apply for Washington State On-Site Septic Loan Program in Lake Stevens, WA?

Apply directly with Washington State Department of Health using the official program link on this page or call (360) 236-3330. 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 Lake Stevens, WA contractors

Find More Programs in Lake Stevens, WA

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

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