Michigan State Housing Development Authority
MSHDA Septic Loan Program is available to homeowners in Portage, MI.
Low-interest loan program to help Michigan homeowners repair or replace failing septic systems or connect to municipal sewer. Available through participating lenders with flexible credit requirements and income limits at or below 120% AMI.
Low-interest loan with flexible terms; repayment required
Data last verified 2026-06-09. How we verify our data.
In Portage, MI, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Portage, 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 Portage 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 through participating lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $15,000 loan.
MSHDA Septic Loan Program is open to homeowners in Portage, MI.
Apply directly with Michigan State Housing Development Authority using the official program link on this page or call (517) 373-8370. 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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