Well and Septic Repair (Low Interest Loan)

Agricultural Best Management Practices (AgBMP) Loan is a water quality program that provides low interest loans to land owners. The program purpose is to improve water quality as identified by Cities or the County in local water plans. It is unique in its structure and is not duplicated by other programs or funding sources.

The AgBMP Loan Program is funded by the Minnesota State Legislature, the Minnesota Public Facilities Authority, and the U.S. Environmental Protection Agency and is administered through the Minnesota Department of Agriculture.

The AgBMP Loan Program provides financing at below-market interest rates. These low interest loans save you money making it more economical to implement practices that improve and protect water quality. 

Loans for:

Septic Systems
Private Wells 

Who May Apply:


Application Process:

Landowner/Borrower completes application.  
County evaluates application and
   determines if project is eligible. 
Borrower completes project with licensed/
   certified installer or contractor .
Borrower provides receipts to County.            
Borrower and County close the loan.             
Special assessment certified to property tax.

Terms of Loan:

Maximum loan length is 10 years.  
Interest rate 3% plus normal/customary fees.
Loan amounts limited to $100,000 to any   
  one individual or project.                                
Borrower repays the County via special
   assessment to property tax. 

Eligible Activities:

Septic Systems 
Mound Septic Systems                                 
Septic Repair/Replacement
Cluster Systems

Private Wells                                                   
To meet set back requirements
Repair broken casings
Contaminated wells
Abandon/sealing open well  
Must solve existing/potential groundwater 
  pollution problem  

Ineligible Activities:                           

Projects already completed  
Projects having court filings against them


Contact Information

Barb McKusick
Community Development Coordinator
Phone: 763-323-5722
Fax: 763-323-5682

AgBMP Program Resources
 Program Guidelines