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The Craft3 Clean Water Loan Program

Craft3 is a local nonprofit, non-bank, Community Development Financial Institution (CDFI) providing loans that strengthen businesses, families and the environment throughout Oregon and Washington.

Craft3 is proud to offer Clean Water Loans to repair or replace failing on-site sewage systems. The loans are offered with support from many public and private partners, including the U.S. Environmental Protection Agency and the State of Washington. Since 2002, Craft3 has helped more than 650 property owners with failing on-site sewage systems through its Clean Water Loans. Learn more about Craft3 at and

Qualified applicants may use the loans to repair or replace failing on-site sewage systems. The loans may cover the full cost of designing, permitting, installing and maintaining your system, including the cost of connecting to a public sewer, when permitted by the County.

Owner and non-owner occupied properties are eligible to apply, including commercial, secondary, rental and vacation properties. Businesses, nonprofits and individuals, including those without access to traditional financing, are eligible to apply if they meet at least one of the following conditions:

  • The on-site sewage system is failing
  • The on-site sewage system is at least 25 years old
  • Property owner has been contacted by Health Officials and/or is under order to fix the on-site sewage system

Special rates and deferred payment options may be available for homeowners with lower incomes.

Program details

Learn more and apply at or contact Craft3 at and 888-231-2170.


Other grants or loans for low-income homeowners

King County Housing Repair Program

The Housing Repair Program provides interest-free loan and emergency grant services directly to low- and moderate-income home owners in King County, outside the city of Seattle, to repair their homes and help preserve our region's stock of affordable housing. This program also provides grants to individual low-income renters with a disability to help make their housing more accessible. For more information, call 206-263-9095.

Learn more about the Housing Repair Program

USDA Rural Housing Service Program

Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve, or modernize their homes or provides grants to elderly very-low-income homeowners to remove health and safety hazards. For more information call (360) 428-4322 ext. 4 or visit their website and see video below:

Learn more about the Housing Service Program