Offering Assistance for Septic Owners
AEOA administers different forms of financial assistance for septic owners – grants, deferred loans, and low-interest loans – with funding through St. Louis County.
Low Interest Loans
Low-interest loans to replace existing failing or non-conforming septic systems.
- Maximum loan amount: $50,000
- Maximum loan length: 10 years
- Interest rate: 3%, monthly payments to St. Louis County
- Required borrower contribution: $500, to be paid at the time of application
- Credit Requirements: 620 credit score and 48% debt-to-income ratio
- No income restrictions
Deferred Loans
Repair, replace, or upgrade any portion of an individual sewage treatment system deemed an Imminent Threat to Public Health (ITPH) or Non-Compliant.
- Maximum loan amount: Dependent upon system design
- Maximum loan length: 5 years, forgivable
- Interest rate: 0%, no monthly payments
- Required borrower contribution: $0
- Income limits: See table below
- Occupancy requirement: Must own and occupy for at least 3 years to be eligible
Income Limits
| Household Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| Income | $56,650 | $64,750 | $72,850 | $80,900 | $87,400 | $93,850 | $100,350 | $106,800 |
Note: St. Louis County loan funds cannot be used to satisfy point-of-sale requirements
See the Septic Loans Fact Sheet for additional details.
Request More Information
For questions or additional information, please complete the short form below, and a member of our team will reach out. This form is not an application.
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