Community Septic System Loan Program (CSSLP)

The goal of this program is to safeguard public health and protect and improve ground and surface water resources by ensuring proper functioning and maintenance of all septic systems in participating communities.

HOW IT WORKS

Rhode Island Infrastructure Bank uses federal dollars recycled from previous Clean Water State Revolving Fund loans to provide the source of funds for the CSSLP. This program allows communities without wastewater treatment facilities to access low-interest loans to assist property owners with the cost of repairing or replacing failing or substandard septic systems, including the replacement of a cesspool with a septic system.

Residents of participating communities can access a CSSLP application through their municipality. RIHousing’s role is to underwrite and administer those loans. When a community has depleted their funding, they apply to Rhode Island Infrastructure Bank for additional funds. Homeowners who apply for funding before additional funds are provided are placed on a wait list

Participating Communities

  • Bristol
  • Charlestown
  • Coventry
  • Glocester
  • Hopkinton
  • Jamestown

  • Narragansett
  • New Shoreham

  • North Kingstown
  • Portsmouth
  • Richmond

  • Scituate
  • South Kingstown
  • Tiverton
  • Warren
  • Westerly
  • Bristol
  • Charlestown
  • Coventry
  • Glocester
  • Hopkinton
  • Jamestown
  • Johnston
  • Narragansett
  • New Shoreham
  • North Kingstown
  • Portsmouth
  • Richmond
  • Scituate
  • South Kingstown
  • Tiverton
  • Warren
  • Westerly
  • Bristol
  • Charlestown
  • Coventry
  • Glocester
  • Hopkinton
  • Jamestown
  • Johnston
  • Narragansett
  • New Shoreham
  • North Kingstown
  • Portsmouth
  • Richmond
  • Scituate
  • South Kingstown
  • Tiverton
  • Warren
  • Westerly

Loan Terms

  • No income limits for program participants
  • Residential properties with up to 4 units
  • One-time $300 origination fee to RIHousing and a 1% service fee on the outstanding loan balance that is split between RIHousing and the Rhode Island Infrastructure Bank for servicing the loan
  • Other program criteria vary somewhat from community to community. However, most programs cap loans at $25,000, require a debt-to-income ratio for borrowers of no more than 45% and allow non-owner occupants, as well as homeowners whose primary residence can benefit from CSSLP, to participate
  • Funding can generally cover engineering costs, as well as system replacement costs
  • Funding is released to the homeowner when RIHousing receives a Department of Environmental Management (DEM) Certificate of Conformance after the work is completed
  • Work must be completed by a state-licensed installer

Loan Terms

  • No income limits for program participants
  • Residential properties with up to 4 units
  • One-time $300 origination fee to RIHousing and a 1% service fee on the outstanding loan balance that is split between RIHousing and the Rhode Island Infrastructure Bank for servicing the loan
  • Other program criteria vary somewhat from community to community. However, most programs cap loans at $25,000, require a debt-to-income ratio for borrowers of no more than 45% and allow non-owner occupants, as well as homeowners whose primary residence can
    benefit from CSSLP, to participate
  • Funding can generally cover engineering costs, as well as system replacement costs
  • Funding is released to the homeowner when RIHousing receives a Department of Environmental Management (DEM) Certificate of Conformance after the work is completed
  • Work must be completed by a state-licensed installer

Loan Activity

  • $12.4 million in loan funds provided to communities through the CSSLP since 1999
  • 783 loans closed
  • Average loan amount: $15,435
  • Monthly payment for a $15,000 loan with a 10-year term would be $131
    *Loans made to communities prior to the end of 2015 have a 2% interest rate

Please contact your town or city directly to obtain applications, as each municipality has its own loan terms and program requirements.