Functioning on-lot septic systems, laterals and connections to a public sewer system are essential for public health but are expensive to repair or replace.

The Homeowner Septic Program offers affordable loans for the repair or replacement of on-lot septic systems and sewer laterals, or a first-time sewer connection from an existing home. The revamped program now features:

• No restrictions on household income
• A streamlined application process
• Loan amounts up to $25,000 for all homes (including manufactured homes)
• No prepayment penalty

The program is funded and administered by Pennsylvania Infrastructure Investment Authority (PENNVEST) and the Pennsylvania Housing Finance Agency (PHFA).

For more information or to start the PENNVEST application process, homeowners should contact a participating lender or PHFA at 1-855-U-Are-Home (827-3466), then press “0” to be connected with the Customer Solutions Center. Information on the program is also available here. Lenders interested in participating should visit the PHFA website for more details.