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Portsmouth Community Septic Loan Program

Rhode Island Housing · State program

Up to $30,000 at 1% interest for 10 years

Rhode Island Housing offers low-interest loans to Portsmouth residential property owners to replace or repair cesspools and septic systems. Eligible borrowers can get up to $30,000 for 10 years at 1% interest.

Last verified: September 12, 2026

Program details

How it works

The Town of Portsmouth’s wastewater page says the Community Septic System Loan Program is administered through Rhode Island Housing and is available to Portsmouth residential property owners for cesspool/septic system replacements and septic system repairs.

What the money covers

The program covers cesspool and septic system replacement work, plus septic system repairs.

Amounts and terms

  • Up to $30,000
  • 10-year term
  • 1% interest rate
  • It is described as “up and running.”

How to apply

The Portsmouth page links to the CSSLP application and fact sheet, and provides contact information for the wastewater manager.

Timing and deadlines

The official Portsmouth page says the program is currently operating. The page also notes that all cesspools in Portsmouth, and unpermitted systems in Island Park and Portsmouth Park, must be removed by January 1, 2025, but that is a separate local regulatory requirement rather than a program deadline.

Full eligibility details

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