Cost-Share and Loan Programs


Heron Lake Phosphorus Reduction Project 3: Qualifying landowners can borrow up to $15,000 for a septic system replacement. A lien is assessed to the borrower's property and is repaid over seven years with an interest rate of 1.5%. Loan funds will be issued on a first-come, first-served basis through June of 2023. 

Landowners or contractors must contact the HLWD office before construction begins to qualify for this program. 


Please send a completed application to

  • Attach copies of the following to your application to ensure quick processing;
    • Complete legal dscription according to deed or contract for deed
    • Copy of map or plat of the property involved

 Upon application submission, please send a $75.00 application fee to:

Heron Lake Watershed District

P.O. Box 345

Heron Lake, MN  56137

Please contact Loretta Halbur at 507-793-2426 or with any questions or further information.





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