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The purpose of the Missouri On-site Wastewater Improvement Loan program is to provide financing for homeowners seeking to make improvements to, or replace their on-site wastewater treatment system, which will improve Missouri’s water quality. The program is funded by the Missouri Department of Natural Resources and delivered by Missouri’s regional planning commissions and councils of government.

Eligible Uses

  • Loans can be made for repair or replacement of private wastewater treatment systems for single-family houses, and multi- family housing consisting of four units or fewer.
  • Loans can be used to finance only approved systems that are installed by contractors, approved by each county’s respective health department. A list of approved installers can be found at: http://health.mo.gov/living/environment/onsite/counties/
  • Only systems recommended by the County Health Department, Department of Health & Senior Services, or the local authority will be funded.
  • Costs related to the installation of an approved system (such as soils investigation, engineering

How to Apply

Application Packets are available from each participating Regional Planning Commission / Council of Government (see statewide listing). Application Packets can also be downloaded here.

Eligible Borrowers

  • Homeowners with a failing or failed on-site wastewater treatment system as documented by a certified installer or local health agency.
  • Homeowners who provide evidence of financial need. The loan application process will require a “turn down letter” from conventional financing sources, ie. local bank.
  • Homeowners must have a sufficient credit score and income to make the loan payment and maintain the system.

For More Information

Contact your local Regional Planning Commission, or follow the links below: