There are four programs to assist system owners with wastewater management problems:

1) Betterments

Communities may provide long-term low cost financing to homeowners, for the repair, replacement, or upgrade of failed septic systems by providing Betterment Loans. If you are interested, contact your local Board of Health for more information, and see MassDEP's fact sheet on betterments.

2) Tax Credit

Any owner of a Massachusetts residential property who occupies the property as his or her principal residence is allowed a tax credit for the expenses incurred in the repair or replacement of a failed cesspool or septic system. The maximum amount of the credit that may be claimed in any tax year is $1500. The maximum aggregate amount of the credit that may be claimed is $6000. For more information on the specific qualification criteria, you should contact the Department of Revenue at 617 887-MDOR or visit their website.

3) Mass Housing Finance Agency (MHFA)

MHFA offers low-cost financing to those who qualify. For more information contact Massachusetts Housing Finance Agency (MHFA) (617) 723-0500 or go to their web site.

4) Federal Farmers Home Administration (FHA)

FHA offers low-cost financing to those who qualify. For more information contact FHA:

• Multi-family home: 202-708-2495
• Single-family home: 202-708-3175