Sewer Tie-In Loan Fund

Program Overview

The Sewer Tie-In Loan Fund (STILF) is a lending program that provides low-cost loans to homeowners to connect to the local sewer system and abandon their individual septic system or cesspool. Municipalities must opt in to provide this service to their residents.

  • One-time steps to begin participating:
    • 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: RIHousing is responsible for all underwriting and loan servicing
  • Financing is provided to municipalities at a 0% rate with no fees
  • Financing funds are made available for residential loans. As the residential loans are repaid, the municipal repayment obligation is reduced.

Participating Municipalities

Want to join this list? Contact us!

How It Works

For Residents

  • Interest-free loans of up to $10,000 with a five-year repayment term are available to residential property owners
  • Residents seeking STILF financing must live in participating municipality
  • Want to learn more? Contact RIHousing

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

Additional Resources


Municipalities interested in learning more about the STILF should contact:

Anna Coelho Cortes

Managing Director
Rhode Island Infrastructure Bank