Rural Housing Repair and Rehabilitation Loan Program

The Rural Housing Repair Loans and Grants program provides loans and grants to very low-income homeowners to repair, improve, modernize, or to remove health and safety hazards in their rural dwellings. Loans are arranged for up to 20 years at 1 percent interest. Grants may be arranged for recipients who are 62 years of age or older and can be used only to pay for repairs and improvements to remove health and safety hazards. Loan/grant combinations may be arranged for applicants who can repay part of the cost. Very low-income for this program is defined as below 50 percent of the area median income.

To learn how to applyclick here, then click on your state to look for information on programs.

Some state agencies have a mechanism in place to assist homeowners with repair/replacement of failing septic systems, while others do not. For more information, contact your state regulator, and/or read about your state’s regulatory program at the National Small Flows Clearinghouse Web site in the National Summary Citations.

Household Water Well Program

The Household Water Well Program is funded by the federal government and administered through qualified non-profit organizations. The program loans up to $11,000 per household for existing home owners to repair or replace wells. The 20-year loans are repaid at 1 percent interest.

State Counties covered Program Name Contact information
Arkansas Northwest Arkansas (Benton, Crawford, Franklin, Madison, Marion) and Oklahoma (Sequoyah) Water Well Trust, Inc. Margaret Martens


California Fresno, Kern, Kings, Madera, Merced, Stanislaus, Tulare Self-Help Enterprise, Inc. Karen Sauceda


Georgia Brooks, Calhoun, Clay, Colquitt, Crisp, Decatur, Dooly, Early, Grady, Lee, Miller, Mitchell, Quitman, Randolph, Seminole, Terrell, Tift, Thomas, Turner, Worth Golden Triangle Julie Shutters


Georgia Appling, Atkinson, Bacon,

Ben Hill, Berrien, Brantley, Charlton, Clinch, Coffee, Cook, Echols, Irwin, Jeff Davis, Lanier, Lowndes, Pierce, Tift, Ware, Wayne

Seven.Rivers RC&D Brenda Hallman


Virginia Serves DE, MD, VA, NC, SC, GA, FL Southeast Rural Community Assistance Program (SERCAP) 540/345.1184

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