Ohio EPA WPCLF Home Sewage Treatment System (HSTS) Program

Ohio Environmental Protection Agency, Water Pollution Control Loan Fund

Available Home Repair

About This Program

Ohio EPA WPCLF Home Sewage Treatment System (HSTS) Program is available to homeowners in Toledo, OH.

Ohio EPA's WPCLF program provides principal forgiveness loans to Local Health Districts, which pass savings to homeowners needing to repair or replace failing septic (home sewage treatment) systems or connect to public sewer. The lowest-income households can receive 100% of costs covered. Approximately $10.1 million was reserved for HSTS projects in program year 2025.

At federal poverty level: 100% forgiveness (free). At 200% FPG: 85% forgiveness (15% homeowner match). At 300% FPG: 50% forgiveness. Contact your county health district to determine your tier.

Verified against Ohio Environmental Protection Agency, Water Pollution Control Loan Fund's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

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

Key Details

  • Principal forgiveness on septic repair/replacement, up to 100% free for lowest-income homeowners
  • Covers repair, replacement, or connection of failing home sewage treatment systems
  • $10.1 million reserved for homeowner HSTS projects in 2025
  • Administered through county Local Health Districts, contact your county health department
  • Sliding scale: 100% at poverty line, 85% at 200% FPG, 50% at 300% FPG

How to Apply

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in Toledo, OH 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 Toledo early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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: Rolling, apply through your county Local Health District (LHD); $10.1M reserved for 2025

Questions about this program?

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Frequently asked questions

How much can Ohio EPA WPCLF Home Sewage Treatment System (HSTS) Program provide in Toledo, OH?

Up to 100% principal forgiveness for lowest-income households.

Who qualifies for Ohio EPA WPCLF Home Sewage Treatment System (HSTS) Program in Toledo?

Ohio EPA WPCLF Home Sewage Treatment System (HSTS) Program is open to homeowners in Toledo, OH.

How do I apply for Ohio EPA WPCLF Home Sewage Treatment System (HSTS) Program in Toledo, OH?

Apply directly with Ohio Environmental Protection Agency, Water Pollution Control Loan Fund using the official program link on this page. There is no middleman and no fee. Deadline: Rolling, apply through your county Local Health District (LHD); $10.1M reserved for 2025.

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