Home owners can now comply with Title 5 regulations. Loans, repayable over 20 years, cover all costs associated with the septic system upgrade. Applications now being accepted from interested residents. To download an application for the loan program, click on the above 'Loan Application' button.

Program Specifics:

• Existing septic system must be "failed".
  
• All costs associated with carrying out a project required by Title 5 are eligible.
  
• 5% interest rate on loan.
  
• Betterment assessment on property secures loan.
  
• Maximum of 20-year repayment term.
  
• Payments are made quarterly, payable to Barnstable County
  
• Loan must be repaid in full upon property title transfer.
  
• Loans to be made only for residential properties.
  
• Residential properties include condominiums and apartments
  
• Homeowner obtains written bids for system design then contracts for work.
  
• Homeowner obtains written bids for system installation then contracts for work.
  
• Two-party check issued from County Finance Department for work completed.
  
• Certificate of Compliance must issue before final payment is made.