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Find similar grantsThis program supports loans to small water and wastewater utilities for pre-development costs for infrastructure projects, replacement equipment, system upgrades, maintenance and small capital projects, energy efficiency projects to lower costs and improve system sustainability,…
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Or search similar grants →According to the current listing, eligibility includes: Small water and wastewater utilities located in rural areas with populations of 50,000 or less. Confirm the full requirements in the official notice before applying.
The current listing shows up to $200,000 (or 75% of project costs, whichever is less). Verify award ceilings, matching requirements, and allowable costs in the official notice.
Rural Water Loan Fund is funded by USDA (administered by National Rural Water Federation - NRWA). Verify program details on the funder's official page before applying.
Past winners and funding trends for this program
USDA's Rural Decentralized Water Systems Grant funds nonprofits to capitalize a revolving loan fund for household wells and septic systems: 1 percent fixed, 20-year terms, $15,000 maximum per household. The application window closes September 30, 2026. The program is chronically under-subscribed for one structural reason — the 10 percent priority-point contribution cannot be in-kind. Here is the full instrument analysis and what it takes to win.
Read articleWhile applicants chase fixed federal deadlines, USDA Rural Development keeps roughly $4.1 billion moving through programs with no deadline at all — Community Facilities, Water & Waste Disposal, and Business & Industry loans that accept applications year-round. But 2026 brought a quiet shake-up: REAP grants paused, RBDG's competitive window closed. Here is the map of what's open, what's frozen, and how rural organizations should work a rolling pipeline.
Read articleOn June 29, 2026, EPA announced it will waive the $25,000 WIFIA application fee and the credit processing fee — averaging roughly $156,000 per loan — for communities of 25,000 or fewer residents in fiscal years 2026 and 2027. Combined, that removes nearly $200,000 in upfront cost from the single most affordable federal water-infrastructure financing program, which carries roughly $11 billion in available capacity and can cover up to 80% of eligible project costs at Treasury-rate pricing. For small towns, rural utilities, and the nonprofits and districts that serve them, this is a rare instance of the federal government lowering the barrier to a program that has historically been out of reach for exactly the communities that need it most. Here is what changed, who qualifies, and how to move on a letter of interest before the window closes.
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