Community Septic System Loan Program

What is CSSLP?


The Community Septic System Loan Program (CSSLP) is a lending program that provides low-cost, long-term financing to residential property owners for the repair or replacement of substandard or failing septic systems or to replace cesspools when the homeowner wishes to upgrade to a septic system.

  • Financing is interest-free, with borrowers only subject to a $300 loan origination fee and a 1% annual servicing fee on the outstanding loan balance (differs in some communities)
  • Residents may borrow up to $25,000 with a term of up to ten years (maximum loan amount varies by community)
  • Funds may be used to pay for engineering costs in addition to construction work
  • Rhode Island Housing is responsible for underwriting and servicing loans made through the program

As a prerequisite to a homeowner participating in the program, your community must have an On-Site Wastewater Management Plan approved by the Rhode Island Department of Environmental Management (DEM). In addition, the municipality must be on DEM’s Project Priority List and be issued a Certificate of Approval. The municipality may then apply to the Bank for a lending facility, the proceeds of which can utilized to make direct loans to homeowners. Residents of participating municipalities should contact their city or town hall for a financing application.

Which communities are participating?
How can I learn more?


RI Housing Program Page

Policies and Procedures

Fact Sheet

Residents of participating communities should contact their city or town hall for a financing application.
Municipalities interested in learning more about CSSLP should contact:

Sydney Usatine
Senior Business Development Analyst
Rhode Island Infrastructure Bank
View Contact Information