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Water: Septic (Onsite / Decentralized) Systems


A number of federal and state sources are available for funding septic (onsite) wastewater projects and management. This site offers some common funding sources that might be helpful.


Federal Sources

EPA Clean Water State Revolving Fund - EPA's Clean Water State Revolving Fund (CWSRF) programs fund water quality protection projects for wastewater treatment, nonpoint source pollution control, and watershed and estuary management through low interest loans to a variety of borrowers and partnerships with other funding sources.

EPA Nonpoint Source Section 319 Grant Program - Under section 319 of the Clean Water Act, EPA annually provides grants to states for controlling nonpoint sources of pollution, such as agricultural runoff, mining activities, and malfunctioning onsite septic systems. In states where onsite systems have been identified as a significant source of such pollution, the section 319 funds may be used to construct, upgrade or repair onsite systems.

EPA Environmental Finance Center Network - EPA grant funding started 10 university-based environmental finance centers, the Environmental Finance Center Network (EFCN), which work together with the public and private sectors to solve funding challenges for environmental programs and promote a sustainable environment.

U.S. Department of Agriculture, Rural Development Exit EPA Disclaimer- Rural Development has funds available to cover some repair and maintenance of onsite systems. The funding requirements and programs change each year, so check the website to see the application deadlines, eligibility requirements and places where you can get more help in applying for program dollars.

U.S. Department of Housing and Urban Development (HUD) Exit EPA Disclaimer- HUD provides funds annually to the states, which administer community development block grant (CDBG) programs. These programs provide grants to communities for various purposes, including rehabilitation of residential and nonresidential structures, construction of public facilities, and improvement of water and sewer facilities.

U.S. Economic Development Administration (EDA) Exit EPA Disclaimer - EDA administers various funding programs to promote collaborative regional innovation, public/private partnerships, national strategic priorities, global competitiveness, environmentally sustainable development, and economically distressed and underserved communities.

Catalog of Federal Funding Sources for Watershed Protection Exit EPA Disclaimer - The Catalog of Federal Funding Sources for Watershed Protection website is a searchable database of financial assistance sources (grants, loans, cost-sharing) available to fund a variety of watershed protection projects.

Tribal Sources

EPA's Clean Water Indian Set-Aside (CWISA) Grant Program - The CWISA Grant Program provides funding for wastewater infrastructure to Indian tribes and Alaska Native Villages. The CWISA Program is administered in cooperation with the Indian Health Service (IHS); to be considered for funding, tribes must identify their wastewater needs to the IHS Sanitation Deficiency System.

EPA's American Indian Environmental Office Tribal Portal - Grants & Funding - The Grants & Funding portion of EPA's Tribal Portal provides information about tribal grants resources including descriptions and links to EPA and Federal Grant Resources, regulations, and policies that pertain to the general applicability for tribal grant programs.

U.S. Department of Housing and Urban Development - Resources for Native Americans Exit EPA Disclaimer - The Indian Housing Block Grant Program (IHBG) is a formula grant that provides a range of affordable housing activities on Indian reservations and Indian areas. Eligible 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 activities that provide creative approaches to solving affordable housing problems.

U.S. Department of Health and Human Services: Administration for Native Americans Environmental Regulatory Enhancement Exit EPA Disclaimer - The Administration for Native Americans provides competitive financial assistance to eligible tribes and Native American nonprofit organizations in support of locally determined and designed projects that address environmental regulatory enhancement, including projects to formulate environmental ordinances, implement laws, and train community members in the use and control of their natural resources.

EPA Tribal Resource Directory - The Tribal Resource Directory for Drinking Water and Wastewater Treatment is a searchable catalog of over thirty federal and non-federal programs that offer funding and technical support for tribal drinking water and wastewater systems.

State Sources

Catskill Watershed Corporation Septic System Rehabilitation and Replacement Program Exit EPA Disclaimer - The 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 of repairing or replacing a failed septic system.

Kentucky PRIDE Homeowner Septic System Grant Program Exit EPA Disclaimer - The Kentucky PRIDE Homeowner Septic System Grant program provides support to low-income homeowners in order to replace their straight pipes, outhouses, or failing septic systems with sanitary wastewater treatment systems, which are required by state and federal laws.

Massachusetts Community Septic Management Program (CSMP) Exit EPA Disclaimer - Through the CSMP, the Massachusetts Department of Environmental Protection funds loans to communities through the Massachusetts Water Pollution Abatement Trust to provide betterment loans to assist homeowners who must address septic system failures. The commonwealth has developed the following three programs to 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.

Pennsylvania Infrastructure Investment Authority (PENNVEST): Community Septic Management Program Exit EPA Disclaimer - PENNVEST, the Pennsylvania Housing Finance Agency, and the Pennsylvania Department of Environmental Protection offer assistance to eligible homeowners who do not have access to a public sewage system and need to repair or replace their individual on-lot sewage disposal system through low-interest loans. 

Texas Supplemental Environmental Project (SEP) Exit EPA Disclaimer - Texas SEPs are projects that prevent pollution, reduce the amount of pollution reaching the environment, enhance the quality of the environment, or contribute to public awareness of environmental matters.

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