MassHousing Septic Repair Program

Massachusetts Housing Finance Agency (MassHousing)

Available Home Repair

About This Program

MassHousing Septic Repair Program is available to homeowners in Somerville, MA.

Low-interest loan program for repair or replacement of failed septic systems, including Title 5 compliance upgrades. Fixed rate of 3% APR with terms up to 10 years. Available for owner-occupied 1-4 unit properties in Massachusetts.

3% fixed-rate loan for septic repair; typical system replacement $15,000-25,000

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

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

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

Key Details

  • Low 3% APR fixed-rate loan
  • Up to $40,000 for septic repair/replacement
  • 10-year repayment terms
  • Title 5 compliance upgrades
  • Owner-occupied 1-4 unit properties

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Somerville, 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 Somerville 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: Year-round program

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 Program provide in Somerville, MA?

Loan up to $40,000 at 3% APR.

Who qualifies for MassHousing Septic Repair Program in Somerville?

MassHousing Septic Repair Program is open to homeowners in Somerville, MA. It has no income limit.

How do I apply for MassHousing Septic Repair Program in Somerville, MA?

Apply directly with Massachusetts Housing Finance Agency (MassHousing) 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.

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Find More Programs in Somerville, MA

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

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