Cost-Share and Loan Programs


Heron Lake Phosphorus Reduction Project 3: Qualifying landowners can borrow a low-interest loan for a septic system replacement. It is repaid over seven years with an interest rate of 1.5% through your property taxes. Loan funds will be issued on a first-come, first-served basis through June of 2024. 

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 $25.00 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.