Financial Assistance Branch Septic Rehabilitation Loan program
The Septic Rehabilitation Loan Program provides a source of low interest financing for repairing or replacing failing septic systems or cesspools with on-site wastewater disposal systems that will function in an environmentally sound and cost effective manner.
This program is managed by the Financial Assistance Branch with technical assistance from the Underground Discharges Branch. Eligibility is open to property owners with onsite wastewater disposal systems that need rehabilitation in order to meet regulatory requirements, that meet program income guidelines, and where the applicant demonstrates the ability to repay the loan. There is a non-refundable application fee of $8 for an individual applicant and $10 applicant with spouse, or $16 for applicant and non-spouse applicant, that covers the cost of the applicant's credit history report. Credit fees are subject to change.
Financing is available at an interest rate of 3 or 6 percent depending on income, can be repaid over 20 years with no prepayment penalty, with a minimum loan of $1,000 and a maximum loan of $35,000 (New Castle) and $25,000 (Kent & Sussex) for individual systems, and a maximum loan of $250,000 for community or mobile home park systems. Eligible costs include:
- Site evaluation fees.
- Septic system design fees
- Permit fees
- Construction costs
The manual of program guidelines and application forms for the Septic Rehabilitation Loan Program are available upon request. For additional information, please contact:
Loan Officer: Carla Gibbs
Financial Assistance Branch
Phone: 302-739-9941
Email: carla.gibbs@state.de.us
