The South Central Ozark Council of Governments (SCOCOG) has loan and partial grant funding for homeowners seeking to make improvements to or replace their on-site wastewater treatment systems.

Eligible borrowers include homeowners with a failing or failed on-site wastewater treatment system. Homeowners will be required to provide evidence of financial need and must have a sufficient credit score and income to make the loan payment and maintain the system.

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. Only systems recommended by county health departments, the Missouri Department of Health and Senior Services or the local authority will be funded. Systems must be installed by contractors approved by each county’s respective health department. Costs related to the installation of an approved system (such as soils investigation, engineering services and surveying) are allowable expenses.

Funds cannot be used to connect homes to a cluster system or public sewer system or to install an on-site system for new construction.

The minimum loan amount is $3,000. Loan terms will be based on the borrower’s ability to repay, not to exceed $15,000 or 10 years per connection. Borrowers must certify they will provide appropriate system maintenance over the life of the loan, attend training on operating and maintaining the system and periodically have the system inspected.

For further information, go to or contact Monty Smith at the SCOCOG office at 417-256-4226.

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