The Septic Rehabilitation Loan Program provides low-interest financing to replace failing septic systems and cesspools with on-site wastewater disposal systems that will function in an environmentally sound and cost-effective manner. The program also provides funding for new septic construction and costs associated with connecting to central sewer systems.
Note: The Septic Rehabilitation Loan Program is under construction until further notice. At this time, we are only accepting applications for the Septic System Extended Funding Option (SEFO) program. Please contact the office at 302-739-9941 to see if you pre-qualify.
The program is managed by Environmental Finance with technical assistance from the Division of Water. Applicants can get assistance with applications from program specialists in the Georgetown and Dover offices of the First State Community Action Agency (FSCAA), which has partnered with DNREC in the Septic System Outreach Initiative.
Eligible costs for on-site systems include site evaluation, septic system design, permits, construction costs, and closing and recording charges. Eligible costs for central sewer projects include impact fees, connection fees, permit costs, electrical, and abandonment of septic systems.
Property owners with on-site wastewater disposal systems that need replacement; new construction of system; and central sewer connection, are required to meet program income guidelines, and can demonstrate the ability to repay the loan.