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Septic Systems
Contact Us

Funding for Septic Systems

  • Federal Funding Sources
  • State Funding Sources
  • Funding Targeted for Tribal Communities

Federal Funding Sources

EPA Clean Water State Revolving Fund (CWSRF)

The CWSRF funds water quality protection projects for wastewater treatment, control of nonpoint sources of pollution, decentralized wastewater treatment, and watershed and estuary management through low interest loans to a variety of borrowers.

EPA Nonpoint Source Section 319 Grants

Under section 319 of the Clean Water Act, EPA provides grants to states to control nonpoint sources of pollution from a variety of sources such as agricultural runoff, mining activities, and malfunctioning onsite septic systems. Some, but not all, states use these grants to construct, upgrade, or repair onsite systems. Note that individual homeowners are not eligible to directly receive grant assistance through this program, as the grants are typically provided to watershed organizations that are actively implementing watershed-based plans to restore impaired waterbodies. For more information, contact your state's nonpoint source coordinator.

EPA Water Finance Clearinghouse

The Water Finance Clearinghouse is an easily navigable web‐based portal to help communities locate information and resources that will assist them in making informed decisions for their drinking water, wastewater, and stormwater infrastructure needs.

EPA Environmental Finance Center Network

EPA grant funding started 10 university-based environmental finance centers, the Environmental Finance Center Network, which work together with the public and private sectors to fund environmental programs.

U.S. Department of Agriculture, Rural Development

Funding covers repair and maintenance of onsite systems.

U.S. Department of Housing and Urban Development (HUD)

HUD provides funds to states through community development block grants. The grants fund various projects, including rehabilitation of residential and nonresidential structures, construction of public facilities, and improvement of water and sewer facilities.

U.S. Economic Development Administration (EDA)

EDA administers various funding programs to promote collaborative regional innovation, public/private partnerships, national strategic priorities, global competitiveness, and environmentally sustainable development.

State Funding Sources

Catskill Watershed Corporation Septic System Rehabilitation and Replacement Program

Reimburses residents of the New York City Watershed in Delaware, Greene, Schoharie, Sullivan, or Ulster Counties for eligible costs to repair or replace failed septic systems.

Kentucky PRIDE Homeowner Septic System Grant Program

Provides support to low-income homeowners to replace straight pipes, outhouses, or failing septic systems with sanitary wastewater treatment systems.

Massachusetts Community Septic Management Program

Provides loans through the Massachusetts Water Pollution Abatement Trust to homeowners to fix failing septic systems. Three programs assist on-site septic system owners with wastewater management problems: the Community Septic Management Program, the Homeowner Septic Loan Program, and a tax credit program.

New York State Environmental Facilities Corporation State Septic System Replacement Fund Program
The State Septic System Replacement Fund Program provides funding to replace cesspools and septic systems in New York State. This program provides grants and works with local property owners to reimburse eligible septic system projects.

Pennsylvania Infrastructure Investment Authority (PENNVEST): Community Septic Management Program

PENNVEST, the Pennsylvania Housing Finance Agency, and the Pennsylvania Department of Environmental Protection offers low-interest loans to homeowners to repair or replace their individual on-lot sewage disposal system. 

Texas Commission on Environmental Quality (CEQ) Nonpoint Source Program 

Texas CEQ’s Nonpoint Source Program plans and implements activities that prevent or abate urban and other nonagricultural nonpoint source pollution in Texas waters.

Funding Targeted for Tribal Communities

EPA Clean Water Indian Set-Aside (CWISA) Grant Program

Provides funding for wastewater infrastructure to Indian tribes and Alaska Native Villages. EPA administers this program in cooperation with the Indian Health Service (IHS). Tribes must identify their wastewater needs to the IHS Sanitation Deficiency System to receive funding.

EPA Environmental Protection in Indian Country - Grants

Provides information for tribes about EPA and other federal grant resources and regulations and policies for applying for assistance.

U.S. Department of Housing and Urban Development - Resources for Native Americans

The Indian Housing Block Grant Program is a formula grant that funds various activities, include housing development, assistance to housing developed under the Indian Housing Program, housing services to eligible families and individuals, crime prevention and safety, and model approaches to solving affordable housing problems.

U.S. Department of Health and Human Services: Administration for Native Americans Environmental Regulatory Enhancement

Provides financial assistance to tribes and Native American nonprofit organizations for projects that address environmental regulatory enhancement, including formulating ordinances, implementing laws, and training community members to manage natural resources.

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Last updated on May 17, 2022