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Financial Help to Repair Fire Damaged Septic System

Financial Assistance to Repair Septic Systems Damaged in Oregon’s 2020 Wildfires

Clean Water Loans & Grants

Available July 1, 2022

Many Oregon homes were damaged or destroyed in the devastating 2020 wildfires. Onsite septic systems were hard hit. Even with funds available through the Federal Emergency Management Agency and other disaster recovery programs, for many homeowners septic system repairs are prohibitively expensive.

The Department of Environmental Quality (DEQ) and Craft3 are partnering to offer a unique financial aid package to help homeowners impacted by the 2020 wildfires. Fire-impacted homeowners can apply for both a loan and a grant to repair or replace their onsite septic system. Eligible borrowers will be offered grant resources on a sliding scale based on annual household income. This grant award can cover a significant share of project costs. Onsite septic system project costs that exceed the grant award can be covered by an affordable Craft3 loan.

Grants

Eligible homeowners can receive a grant to help pay for part of your septic project. Grant funds are limited, so apply soon.

Loans

We offer affordable financing for homeowners facing a septic system repair or replacement. No upfront fees and perfect credit not required.

Lane County Program Eligibility

To be eligible you must meet the two following criteria:

1. Live in a fire-affected zip code listed here: 97386, 97413, 97438, 97447, 97454, 97478, 97488, 97489, 97759

2. Provide one of the documents listed below to demonstrate fire damage

      • Federal Emergency Management Agency (FEMA) determination letter
      • Homeowner insurance claim documentation of the wildfire damage
      • Existing septic system evaluation reports documenting fire damage
      • “Right of entry” document
      • County verification
      • Fire debris cleanup by the state or its contractor’s records

Please contact a Craft3 Clean Water Lender at 888-231-2170 ext.125 if you believe you may be eligible but answered no to one of the above questions.

Get Started Here

Eligibile Expenses
  • Costs of onsite septic system repair or replacement
  • Labor must be performed by a licensed installer
  • Design fees are eligible
Ineligibile Expenses
  1. Expenses incurred before July 1, 2022 are not eligible for reimbursement by Craft3
  2. Labor expenses if the septic work is performed by the borrower
  3. Any and all expenses if work is conducted by non-licensed installer or maintenance provider, or outside of DEQ rules

Much more information is available on the website here so take a look.

Source: Craft3.org

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