STILF
Interest-free loans for tie-ins
Up to $10,000 with a five-year repayment term for eligible property owners in participating municipalities, with RI Housing handling underwriting and servicing.
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Sewer Tie-In Loan Fund (STILF)
The Sewer Tie-In Loan Fund (STILF) is a lending program that provides low-cost loans to homeowners to connect to the local sewer system and abandon their individual septic system or cesspool. Municipalities must opt in to provide this service to their residents.
0%
Interest
$10k
Max per loan
Eligibility
For: Residential property owners in participating municipalities who are connecting to the public sewer and abandoning a private septic system or cesspool, subject to program and municipal requirements.
Use: Financing supports eligible residential sewer tie-in projects consistent with the municipal program, DEM and local approvals, and the closed lending facility with RIIB.
Terms: Generally includes DEM Project Priority List placement, Certificate of Approval, a municipal facility with RIIB, established residential underwriting criteria, and living in a participating community when applying for STILF financing.
Participating municipalities: Coventry, East Providence, New Shoreham, North Smithfield, Tiverton, Warwick. Want to join this list? Contact us. Residents of participating communities should contact their city or town hall for a financing application.
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View all storiesHow to apply
- DEM and municipal setup — DEM Project Priority List, Certificate of Approval, and municipal facility with RIIB as applicable.
- Application materials — Download and complete program forms; gather any required local approvals.
- Submit to RIIB / town hall — Submit to your participating municipality and RIIB contact as directed; RI Housing handles loan servicing for residents.
- Response timeline — You will receive follow-up on next steps and eligibility within several business days after submission, subject to program volume.
Additional resources
Contact
Anthony Hebert, Business Development Officer
Municipalities interested in learning more about STILF can use the contact below. Residents in participating communities should also contact their city or town hall.
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