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Septic System Loans for Homeowners and Small Businesses

The Department of Environmental Quality partners with Craft3, a local nonprofit lender, to offer an affordable loan to repair or replace failing septic systems. The loan can cover all eligible design, permitting and installation fees. In some cases, it can even finance connection to a nearby municipal sewer. Lower rates and deferred payment options may be available for homeowners with lower incomes. The loans are made possible by funding from the Oregon legislature. Learn more and apply at Craft3 website.

A separate program is available for Clackamas County residents.

The Clackamas Soil and Water Conservation District offers a Residential Septic System Repair and Replacement Loan Program to homeowners throughout its service area of Clackamas County to protect water quality and address public health concerns. No-interest loans from Clackamas SWCD are financed using funding provided by the Oregon Department of Environmental Quality.

Live in Clackamas County? Learn about more opportunities.  

In addition, you may qualify for assistance under the USDA-Rural Development's Single Family Housing Repair Loans & Grants 


There are 456,000 septic systems in Oregon and some 30 percent of Oregon households rely on septic systems. As many as 10 percent of these systems fail each year, according to various estimates, and not all homeowners or small businesses have the resources to make needed repairs. Fixing a septic system can cost as much as $25,000.