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Small Water and Wastewater Utilities Low-Cost Loans is sponsored by USDA Rural Development (via qualified nonprofits). This program helps qualified nonprofits create revolving loan funds that can provide financing to extend and improve water and wastewater disposal systems in rural areas.
Loans can cover predevelopment costs, short-term small capital projects, or projects focused on energy efficiency, resiliency, and water reuse technologies.
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Or search similar grants →According to the current listing, eligibility includes: Qualified nonprofits that have authority to operate a revolving loan fund and possess the financial, technical, and managerial capacity to comply with relevant state/federal laws and regulations. The loans are then provided to households and businesses in eligible rural areas. Confirm the full requirements in the official notice before applying.
Small Water and Wastewater Utilities Low-Cost Loans is funded by USDA Rural Development (via qualified nonprofits). Verify program details on the funder's official page before applying.
Yes — this listing is flagged as national in scope, so applicants across the U.S. may apply, subject to the sponsor's other eligibility criteria.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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.
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