Vermont Wastewater and Potable Water Revolving Loan Fund
This program, also known as the On-Site Loan Program, is available to certain Vermont residents for the repair or replacement of failed water supply and on-site wastewater systems. The On-Site Loan Program is funded and administered by the Agency of Natural Resources, Department of Environmental Conservation with loan underwriting and servicing provided by the Opportunities Credit Union in Winooski. Your drinking water supply has to be a failed system and you must be living in the residence on a year-round basis to be eligible. The family income cannot exceed 200% of the state median household income. For more information about eligibility and how to apply, call theOn-Site Loan Programat 802-461-6051.
The NeighborWorks Alliance of Vermont
The NeighborWorks Alliance is made up of five local organizations offering full affordable housing services for income-eligible individuals. You may qualify for help from this program if you need money to install a water treatment system, drill a well, or repair or replace your septic system. For more information on eligibility, contact the localNeighborWorks Groupin your region.
Single Family Housing Repair Loans and Grants
This program offers loans and grants to existing homeowners for well construction, repair and sealing. It's administered by the Rural Development office of the U.S. Department of Agriculture. The program is for low-income families who live in a rural area or a community with a population of 25,000 or less. The family income cannot exceed 50% of the median county income. Individuals who are 62 years of age or older may qualify for a grant or a combination of a loan and a grant. Younger applicants are eligible only for loans.
Burlington, South Burlington, Essex Junction, Winooski and parts of Colchester are ineligible for the program. Even if your property is in an eligible area, your eligibility is still subject to income limits. For more information or to find out if your property is in an eligible area, call theUSDA Rural Development Officeat 802-828-6022.
Low-interest Loans for Individual Household Wells and Septic Systems
The Southeast Rural Community Assistance Project (SECAP) has partnered with RCAP Solutions (North Eastern Rural Community Assistance Partnership) to provide low-interest loans to construct, refurbish or replace individual water well systems and septic systems for eligible homeowners. Here are the requirements:
• Your residence must be in an eligible rural area, town, or community (defined as geographic area with 50,000 residents or less) in the RCAP Solutions service area of: Maine, New Hampshire, Vermont, Massachusetts, Connecticut, Pennsylvania, Rhode Island, New York, New Jersey, Puerto Rico and the U.S. Virgin Islands.
• You must own (or provide recorded Lifetime Rights) and occupy the home being improved.
• Your household limit is under the state median income limit.
• New home construction and community water systems are not eligible.
Learn more about the loan program and fill out the form.
Please contact SERCAP staff for further information by phone at 540-345-1184 ext. 159 or email [emailprotected]
