MassHousing Septic Repair Loan

Massachusetts Housing Finance Agency

Available Home Repair

About This Program

MassHousing Septic Repair Loan is available to homeowners in Medford, MA.

Low-interest loans for septic system repair or replacement for owner-occupied 1-4 unit properties. Fixed interest rate and flexible repayment terms available for moderate-income households.

Loan amount based on septic repair/replacement cost estimate

Official program page checked live on 2026-06-22.

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

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

Key Details

  • Low-interest loans up to $25,000
  • For septic system repair or replacement
  • Owner-occupied 1-4 unit properties
  • Fixed rate with flexible terms
  • Income limits apply

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Medford, 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 Medford 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

The MassHousing Septic Repair Loan Program, run with the state Department of Environmental Protection and community lenders, is an affordable way to repair or replace a failing or Title 5 non-compliant septic system. Loans are made through MassHousing lending partners, and income limits vary by community and by the interest rate tier (0, 3, or 5 percent).

Steps to apply

  1. Confirm your septic system is failing or not compliant with Title 5 and that you meet the income limit for your area.
  2. Get an estimate for the septic repair or replacement.
  3. Contact a MassHousing septic loan participating lender serving your community.
  4. Complete the lender's application and close the septic repair loan.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • Documentation that the septic system is failing or Title 5 non-compliant.
  • Proof of household income (limits vary by community).
  • The repair or replacement estimate and the lender's application.
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: Rolling applications

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 MassHousing Septic Repair Loan provide in Medford, MA?

Loans up to $25,000.

Who qualifies for MassHousing Septic Repair Loan in Medford?

MassHousing Septic Repair Loan is open to homeowners in Medford, MA.

How do I apply for MassHousing Septic Repair Loan in Medford, MA?

Apply directly with Massachusetts Housing Finance Agency using the official program link on this page or call (800) 882-1154. 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 Medford, MA contractors

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

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