Links to external websites are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the West Virginia Housing Development Fund of any of the products, services or opinions of the corporation or organization or individual. The Fund bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links.

Rates mentioned in news posts may not reflect current rates.

On-Site Systems Loan Program

Links to external websites are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the West Virginia Housing Development Fund of any of the products, services or opinions of the corporation or organization or individual. The Fund bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links.

Rates mentioned in news posts may not reflect current rates.

The On-Site Systems Loan Program is a partnership between the West Virginia Housing Development Fund and the West Virginia Department of Environmental Protection, designed to help eligible homeowners repair or replace on-site septic systems or connect to a public treatment system.

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On-Site Brochure

Program details:

  • the program is limited to owner-occupied residences or long-term lessee.
  • borrower must provide a deed or lease agreement, property tax receipt, a Certificate of Qualification from the county sanitarian and permits, a letter of non-service from the public service district or municipality, and a bid from a certified septic tank installer
  • borrowers may qualify for up to $10,000, repaid over 10 years at 2% interest. 
  • there is no application fee
  • after closing, borrowers will receive a payment book in the mail. All payments will come to the Fund.