Sewer Tie-In Loan Fund – STILF

Rhode Island Infrastructure Bank (RIIB), in partnership with the Rhode Island Department of Environmental Management (DEM) and Rhode Island Housing, also oversees a Sewer Tie-In Loan Fund (STILF) that provides low-interest loans to homeowners to connect to the local sewer system and abandon their individual septic system or cesspool.

120906_#012·         STILF financing is interest-free, with homeowners being responsible for a $300 loan origination fee and a 1% annual servicing fee on the outstanding loan balance

·         Residents may borrow up to $10,000 with a term of up to five years

·         Connections to the sewer by either gravity or low-pressure, including the grinder pump, are both STILF eligible

·         The cost to properly abandon the existing septic system (pumping out its content and filling with sand) is also STILF eligible

·         STILF funds cannot be used to connect newly-constructed homes to sewers, or to repair, replace, or upgrade existing sewer connections.

·         Rhode Island Housing is responsible for underwriting and servicing loans made through STILF

A municipality must first be placed on DEM’s Project Priority List Annually and be issued a Certificate of Approval for the project. The municipality can then apply to RIIB for a STILF loan in an amount up to $150,000 at an interest rate of 0% to the municipality. After receiving a STILF loan from RIIB, municipalities can allow residents to access STILF funds.


RI Infrastructure Bank
235 Promenade Street, Suite 119 
Providence, RI 02908

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