FINANCIAL ASSISTANCE & OTHER RESOURCES

There are low-interest loans and grants available to construct, refurbish, or replace individual water well systems and septic systems.

INDIVIDUAL HOUSEHOLD WELL & SEPTIC LOAN PROGRAM

The Southeast Rural Community Assistance Project (SERCAP)‘s Individual Household Well & Septic Loan products, which are underwritten by USDA Rural Development, provide low-interest (1%) loans to eligible Low-to-Moderate Income (LMI) homeowners for the repair or replacement of an individual household well or septic system.

SERCAP has partnered with RCAP Solutions to make this program available to homeowners in RCAP Solutions’ service area; Maine, New Hampshire, Vermont, Massachusetts, Connecticut, Rhode Island, New York, New Jersey, Pennsylvania, Puerto Rico, and the U.S. Virgin Islands. In addition, the program is offered in SERCAP’s service area; Delaware, Maryland, Virginia, North Carolina, South Carolina, Georgia, and Florida.

Private Well Loan Application
Septic System Loan Application
If you are unable to access or submit an online application, click here to download a paper application. Completed paper applications should be mailed to the following address:

Southeast Rural Community Assistance Project, Inc.
Attn: Cyndi Wood
347 Campbell Avenue, SW
Roanoke, VA 24016

If you have any questions about the program or the application, please contact SERCAP via email: loanfund@sercap.org or phone: (540) 345-1184 ext. 159

Loan Eligibility Criteria
  • Loans of up to $15,000 for installation of a new well or septic system (standard or alternative) or repair of an existing well or septic system
  • Interest rate of only 1%
  • Loan terms up to 10 years
  • Credit report fee of $30 per applicant
  • 3% loan application fee
  • 5% loan origination fee
  • $350 loan closing fees
  • Loan recipient must own and occupy the property
  • Property must be in a rural area with a population of 50,000 residents or less
  • Individual household well or septic system may not be used to substitute water/wastewater service available from a public system
  • Individual household well or septic system may not be associated with the construction of a new dwelling
  • Applications can be submitted via SERCAP’s secure website
Maximum Annual Income Eligibility by State (RCAP Solutions' Service Area)
  • Massachusetts – $120,400
  • Maine – $84,800
  • New Hampshire – $108,000
  • Vermont – $92,800
  • Connecticut – $112,600
  • Rhode Island – $99,300
  • New York – $99,500
  • New Jersey – $117,500
  • Pennsylvania – $90,100
  • Puerto Rico – call for eligibility
  • US Virgin Islands
    • St. Croix – $61,800
    • St. John – $74,500
    • St. Thomas – $69,400
Maximum Annual Income Eligibility by State (SERCAP's Service Area)
  • Delaware – $83,000
  • Maryland – $106,000
  • Virginia – $91,000
  • North Carolina – $70,900
  • South Carolina – $68,700
  • Georgia – $74,700
  • Florida – $70,000
These are the many faces of Massachusetts residents who rely on private wells for their drinking water
These are the many faces of Massachusetts residents who rely on private wells for their drinking water!