Community Septic System Loan Program

Program Overview

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. Municipalities must opt in to provide this service to their residents.

How It Works

  • Steps to participate:
    • Develop a DEM-approved On-Site Wastewater Management Plan; apply to DEM’s Project Priority List and obtain a Certificate of Approval
    • Apply to the RI Infrastructure Bank for a lending facility and close the financing
    • Establish residential loan underwriting criteria. Municipalities can update criteria at any time
  • Low municipal staff administration time obligation: Rhode Island Housing is responsible for all underwriting and loan servicing
  • Financing is provided to municipalities at a 0% rate with no fees

Participating Municipalities

Residents of participating communities should contact their city or town hall for a financing application.

Additional Resources


Municipalities interested in learning more about CSSLP should contact:

Greg Miller

Business Development Officer 
Rhode Island Infrastructure Bank