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Find similar grantsWater & Waste Disposal Loan & Grant Program (Texas) is sponsored by USDA Rural Development. This program provides affordable low-interest loans and grants to help financially distressed rural communities (under 10,000 population) build, modernize, or repair drinking water, wastewater, and stormwater infrastructure.
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USDA Rural Development Loan and Grant Program | NRWA USDA Rural Development Loan and Grant Program National Rural Water Association > USDA Rural Development Loan and Grant Program The USDA Rural Development Loan and Grant Program provides affordable low-interest loans and grants to help financially distressed rural communities under 10,000 in population build, modernize, or repair drinking water, wastewater, and stormwater infrastructure.
A Solution for Small, Financially Distressed Rural Communities’ Water and Wastewater System Problems Small towns and rural communities need modern, reliable infrastructure to thrive specifically to maintain, modernize or build water and wastewater systems. When these systems are updated, you will find economic development and job growth.
The USDA loan and grant program helps very small, financially distressed rural communities extend and improve water and waste treatment facilities that serve local households and businesses. This assistance supports infrastructure improvements, business development, housing, community services such as schools, public safety and health care, and high-speed internet access in rural areas.
It can be used to finance drinking water, stormwater drainage and waste disposal systems for rural communities with 10,000 or fewer residents.
How to Apply for the USDA Rural Development Program USDA’s Rural Utility Service has streamlined the application process through an electronic form, RD Apply , for this funding, in the form of affordable low-interest loans and grants, to be specifically utilized by small communities and rural areas. Loan and grant funding has been pooled for reallocation back to State Rural Development Offices .
Now is the time to contact your State Rural Development Office to build, upgrade and/ or expand water and wastewater systems. Apply for the USDA Rural Development Program Now Benefits and Funding Amounts of the USDA Water Program Congress provided U.S. Department of Agriculture (USDA) with $4 billion last year and another $1.
9 billion this year to assist with water and wastewater infrastructure in rural communities under 10,000 population. Congress heard Rural Water’s voices and concerns and responded accordingly with significant increases over the historic funding levels.
The current interest rates for the direct loan at a 40-year term is affordable and allows reasonable upgrades and modifications that could potentially save utilities money and provide for a sustainable future for rural America. The application time and process can seem challenging. However, State Associations have trained staff to directly assist utilities through the entire application process.
NRWA has identified over 100 non-federal actions that can be directly performed at no-cost to the utility. Please contact your Rural Water State Association for direct assistance. Who is eligible for the USDA Rural Development Water and Waste Disposal Program?
Eligible applicants include public bodies, nonprofit organizations, and federally recognized Tribes serving rural communities with populations of 10,000 or fewer residents. Use USDA Rural Development’s Eligibility Tool to see if you are eligible. What can USDA Rural Development loan and grant funds be used for?
Funding may support drinking water systems, wastewater infrastructure, stormwater drainage, solid waste disposal, construction, land acquisition, engineering, legal fees, and equipment purchases. What are the current interest rates and repayment terms? USDA offers affordable direct loans with repayment terms of up to 40 years.
Interest rates vary based on community income levels and financial need. How can our utility get help applying through RD Apply? Applications are submitted through USDA’s RD Apply portal.
NRWA and State Rural Water Associations provide no-cost assistance for utilities throughout the application process. For over 70 years, the USDA Water and Waste Water Loan and Grant program has been the most effective mechanism for funding the majority of the nation’s rural water and waste water infrastructure.
The USDA Water and Waste Water Loan and Grant Program puts rural Americans first-100% of USDA Water and Waste loans are awarded to rural systems to serve communities of 10,000 people or less. Since 2009 the USDA Rural Development Loan and Grant Program: 20,660,852 rural residents received new or improved water and waste disposal service 207,742 new households and business get connected $14.
5 Billion invested to build new or improved infrastructure 730,761 technical assistance visits to help rural systems and communities
According to the current listing, eligibility includes: Most state and local governmental entities, private nonprofits, and federally-recognized tribes serving eligible rural areas (under 10,000 population) may apply. Confirm the full requirements in the official notice before applying.
Water & Waste Disposal Loan & Grant Program (Texas) is funded by USDA Rural Development. Verify program details on the funder's official page before applying.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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 July 2, 2026, USDA Rural Development rescinded the FY2025 RCDI funding notice to rewrite it around new policy priorities — voiding pending applications for a small-but-strategic program that builds the capacity of rural nonprofits. Here is what RCDI funds, why the mid-cycle pull fits a larger 2026 pattern, and the concrete moves intermediaries should make now so they are ready the day a new NOFO drops.
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