Financial Assistance Resources for Private Well Homeowners

Need to repair or replace your private well or septic system? Loans for homeowners are now available!

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.

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:
Attn: Sherman Pennix
347 Campbell Avenue, SW
Roanoke, VA 24016
If you have any questions about the program or the application, please contact SERCAP via email: or phone: (540) 345-1184

Additional Information

  • 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
  • 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
  • U.S. Virgin Islands
    • St. Croix – $61,800
    • St. John – $74,500
    • St. Thomas – $69,400
  • Delaware – $83,000
  • Maryland – $106,000
  • Virginia – $91,000
  • North Carolina – $70,900
  • South Carolina – $68,700
  • Georgia – $74,700
  • Florida – $70,000

Have questions? Looking for assistance?

If you have any questions or are interested in learning more about these services, please contact SERCAP via email: or phone: (540) 345-1184