Program design
How CSSLP works with your town
Municipalities opt in, establish underwriting criteria, and work with RI Housing for loan administration while financing is provided to the municipality at 0% with no fees.
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Community Septic System Loan Program (CSSLP)
The Community Septic System Loan Program (CSSLP) is a lending program that provides low-cost, long-term financing to residential property owners for the repair or replacement of substandard or failing septic systems or to replace cesspools when the homeowner wishes to upgrade to a septic system. Municipalities must opt in to provide this service to their residents.
0%
To participating municipalities
DEM
PPL & CoA
Eligibility
For: Residential property owners in participating municipalities, for repair or replacement of substandard or failing septic systems, or to replace cesspools when upgrading to a septic system, subject to local and state requirements.
Use: Financing is tied to eligible on-site wastewater projects that follow an approved process, including alignment with Rhode Island Department of Environmental Management (DEM) requirements and municipal program rules.
Terms: Typically includes a DEM-approved on-site wastewater management plan, application to DEM’s Project Priority List, a Certificate of Approval, a municipal lending facility with RIIB, and residential underwriting criteria the municipality may update over time.
Participating communities: Bristol, Charlestown, Coventry, Cranston, Glocester, Hopkinton, Jamestown, Johnston, Narragansett, New Shoreham, North Kingstown, Portsmouth, Richmond, Scituate, Smithfield, South Kingstown, Tiverton, Warren, Westerly. Residents should contact their city or town hall for an application.
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View all storiesHow to apply
- DEM plan & CoA — Develop a DEM-approved on-site wastewater management plan; use DEM’s Project Priority List and obtain a Certificate of Approval.
- Municipal facility — Apply to RIIB for a lending facility and close financing for the participating municipality.
- Criteria & RIH — Establish residential underwriting (update anytime). RI Housing underwrites and services the loans.
- Terms — 0% to municipalities with no fees, per current program design.
Documents
Contact
Greg Miller, Business Development Officer
Municipalities interested in learning more about CSSLP can reach out using the contact information below.
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