Financial Help

Financial Assistance Programs For Upgrading Failing Residential Septic Systems

Sherburne County has two financial assistance programs to help residential homeowners upgrade failing septic systems.

Both programs require a certificate of non-compliance by an MPCA licensed septic system professional to verify that the septic system is not working properly.

Low-Income Septic Upgrade Grant Program

Sherburne County has received funding from the Minnesota Pollution Control Agency to provide grants to help homeowners that qualify as low-income and their system has been found to be failing. To qualify, you must have a single family home and the property must be homesteaded. Grants may be awarded for up to 33% of the cost of the system for those who qualify (up to maximum amount of grant award of $5,000). The landowner must provide 2 years (of IRS 1040 Income Tax Returns) for all occupants of the home that are over 18 years of age.

To qualify for the grant, a household of one to four persons making up to $75,500 could qualify for the grant.  If additional members of household please contact the Planning & Zoning Office.  If interested, Low Income Fillable Grant Application .

Low Interest Septic System Replacement Loan Program

The County also offers a low-interest loan program for owners of a single family residential home where the system is found to be failing. It is funded by the Department of Agriculture as part of a program to improve water quality in rural areas. This loan is not based on income and the only qualifying criteria are that the homeowner is current on property taxes and their mortgage payments (if a mortgage exists).

The loans are for a 5 to 10 year term.  The interest is based on the cumulative average percentage increase as set forth in the Consumer Price Index Midwest for all items (CPI-U Midwest), as published in the Bureau of Labor Statistics for the immediate current year.  The loan is issued with the homeowners consent to a lien being placed on the property by the County. Once the failing septic system has either been repaired or replaced, all eligible expenses are paid to the contractor and then those costs are collected as an assessment on the homeowner's property tax until the loan is repaid. Check out the Loan Application Details and Process Form