Hood Canal (Clallam, Jefferson, Kitsap, and Mason Counties)


Since 2007, the state has provided generous grant funding, through Kitsap County, to capitalize a revolving loan fund to repair failing on-site sewage systems (OSS) in counties adjoining Hood Canal. The initial grant in 2007 provided funding to develop this popular program, with the 2008 Governor’s Initiative grant serving to attract substantial private investment dollars to match the infusion of public money. Craft3 (formerly Enterprise Cascadia) is the day-to-day administrator of the program, with Kitsap County serving as the direct recipient of state funds. The program has an Advisory Board, formal program guidelines and lending policies, and an extensive marketing program, and works closely with both public and private funding sources.

The program included Jefferson, Kitsap, and Mason Counties until 2011, when it expanded to include Clallam County.

Craft3 offers an affordable loan that covers 100% of the costs of designing, permitting, installing, and maintaining a septic system. The loan offers competitive loan terms, with customer-friendly qualification criteria. A Craft3 loan also helps homeowners strengthen their septic investment by making additional funds available to cover the cost of ongoing inspections, maintenance, and repairs. For more information including the latest rates, terms, eligibility, and how to apply, please go to www.craft3.org/borrow/septicloans.


Funding History

State funding to date:



The map below shows the repairs funded by this program through May 2012.

As of January 1, 2012, the Craft3 Septic Loan program has:


Contact Information

For information about the Craft3 loan program for Hood Canal, contact Craft3:

craft3septic@craft3.org or 360-642-4265 ext. 151