Septic Replacement Loan Program for Suffolk County Residents

To further CDCLI’s mission of increasing investment in neighborhoods, protecting the assets of homeowners, and protecting the environment, a low-interest rate loan product with zero application fees, and zero closing costs is now available to assist with the installation of a Suffolk County approved septic system replacement!

This new loan from CDCLI is made available in conjunction with the Suffolk County Septic Improvement Program.  Under the Suffolk County Septic Improvement Program, homeowners may apply for a grant from Suffolk County to assist with the cost of replacing outdated and failing septic systems with state-of-the-art nitrogen reducing systems designed to reverse decades of damaging nitrogen pollution of ground and surface waters. CDCLI will then make its low interest loan available, if the homeowner is in need of additional funds to cover the costs of installing the new system. These loans are made available with NO application fees and NO closing costs.

The purpose of the loan is to provide “gap” funds to finance the difference between the Suffolk County grant and the contract amount needed to install the replacement septic system. Loan amounts cannot exceed $10,000.


How to Get Started:

Step 1: If you have not already, apply for the Suffolk County grant, click here!

Step 2: Obtain a Suffolk County Grant Certificate indicating the amount of your Suffolk County grant.

Step 3: To assist in installer selection, you may want to be pre-qualified if so, click here!

Step 4: Determine Final Installation Cost by:
– Obtaining an engineer’s report to determine appropriate system
– Interviewing installers and obtain a quote
– Filing all applicable permits and determine all associated costs

Step 5: Determine Eligible Loan Amount: Final Installation Cost minus the amount of the Suffolk County Grant equals the Eligible Loan Amount (up to a maximum of $10,000)

Step 6: Apply for a loan, click here! or contact us at

Remember: The purpose of the loan is to provide gap funds to finance the difference between the grant provided by Suffolk County and the contract amount needed to install the septic replacement system (up to $10,000).


Contact Information:
(631)-471-1215 ext. 1510 or 1930




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