Grants directory
Title V Septic Loan Program
Town of Plymouth Office of Community Development · City program
Up to $35,000 at 5% interest for 5, 10, or 15 years.
Plymouth offers a septic system improvement loan for owner-occupied homes, with 5% interest and repayment over 5, 10, or 15 years. The loan is capped at $35,000 and is repaid through the property tax bill.
Program details
How it works
The Town of Plymouth provides the Title V Septic Loan Program through the Office of Community Development and the Department of Environmental Protection. It is intended to help homeowners update failing septic systems so they can stay in their homes.
What the money covers
The page says the loan is for a septic system improvement. It is specifically described as a way to update a failing system. Homeowners must provide proof of failure when applying.
Amounts and terms
- Interest rate: 5%
- Repayment term: 5, 10, or 15 years
- Maximum loan amount: $35,000
- Repayment method: bi-annually as part of the property tax bill
- An annual assessment is made each January 1 and May 1
How to apply
The application is reviewed and approved by the Office of Community Development. If approved, the homeowner signs a Betterment Agreement with the Town of Plymouth, and a Notice of Betterment is recorded at the Registry of Deeds.
Timing and deadlines
The page does not give a fixed deadline or application window. It notes that the recording and assessor steps can take several months or longer, so homeowners who want to sell soon are warned that payoff information may be delayed.
Full eligibility details
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