Title V Septic Loan Program

The Title V Septic Loan Program is designed to allow residents to update their failing septic system so they can stay in their homes. In order to be eligible, the system has to have proof of failure. This loan is provided through the Town of Plymouth at a 5% interest rate for a period of 5, 10, or 15 years.


These loans are not designed for people to update systems in order to sell their properties. It could potentially take several months, or longer to process the paperwork through the Plymouth County Registry of Deeds and the Assessors' Office. The Town of Plymouth is not responsible for any delays.

There is no credit check required, although all of your real estate taxes, water bills, or any other municipal accounts must be paid and up to date. The loan application is reviewed for approval by the Office of Community Development. Once approved, the applicant will be required to sign a Betterment Agreement with the Town of Plymouth. A Notice of Betterment will be recorded at the Registry of Deeds.

Loan payments are due bi-annually as part of your property tax bill. An annual assessment will be made each January 1st and June 1st.

For more information about this program, contact The Community Development Office: Title V Septic Program.