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Water & Waste Disposal Loan & Grant Program in Indiana

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What does this program do?

This program provides funding for clean and reliable drinking water systems, sanitary sewage disposal, sanitary solid waste disposal, and storm water drainage to households and businesses in eligible rural areas.

Who may apply?

This program assists qualified applicants who are not otherwise able to obtain commercial credit on reasonable terms. Eligible applicants include:

What is an eligible area?

Areas that may be served include:

What kinds of funding are available?

  • Long-term, low-interest loans
  • If funds are available, a grant may be combined with a loan if necessary to keep user costs reasonable.

How may the funds be used?

Funds may be used to finance the acquisition, construction or improvement of:

  • Drinking water sourcing, treatment, storage and distribution
  • Sewer collection, transmission, treatment and disposal
  • Solid waste collection, disposal and closure
  • Storm water collection, transmission and disposal

In some cases, funding may also be available for related activities such as:

  • Legal and engineering fees
  • Land acquisition, water and land rights, permits and equipment
  • Start-up operations and maintenance
  • Interest incurred during construction
  • Purchase of facilities to improve service or prevent loss of service
  • Other costs determined to be necessary for completion of the project
  • See 7 CFR Part 1780.7 and 1780.9 for a complete list

What is the loan term and rate?

  • Up to 40-year payback period, based on the useful life of the facilities financed
  • Fixed interest rates, based on the need for the project and the median household income of the area to be served

Contact us for details and current interest rates applicable for your project

Are there additional requirements?

  • Borrowers must have the legal authority to construct, operate and maintain the proposed services or facilities.
  • All facilities receiving federal financing must be used for a public purpose.
  • Partnerships with other federal, state, local, private and nonprofit entities that offer financial assistance are encouraged.
  • Projects must be financially sustainable.

How do we get started?

Visit RD Apply

  • Applications are accepted year round and may be filed electronically using RD Apply. The RD Apply Customer Help Guide is provided to help you get started and work through the application process
  • Applications are also accepted through your local RD office.
  • Program resources are available online (i.e., forms, guidance, certifications, etc.).

Who can answer questions?

  • Contact the local representative who serves your area
  • Participating nonprofits in your area may also offer assistance and training

What governs this program?

Why does USDA Rural Development do this?

This program helps very small, financially distressed rural communities extend and improve water and waste treatment facilities that serve local households and businesses. Good practices can save tax dollars, improve the natural environment, and help manufacturers and businesses to locate or expand operations.

NOTE: Program details may change over time. Before you begin an application, please confirm you have the most current information by contacting a program specialist in your local RD office for assistance or consult the program instructions listed in the section above titled "What Governs this Program?"

NOTE: Please ensure that your state is selected in the dropdown menu above to find the state office contact information, and speak to a program specialist before attempting to fill out any forms or applications. This will save you time in completing your application.

Interest Rates

Current interest rates for 2nd quarter FY 2025, effective January 1, 2025.  

Poverty: 2.500%
Intermediate: 3.250%
Market: 4.125%

National Architect Requirements:

There are no other architect requirements at the national level. If there are additional state-specific requirements they will be listed above.

National Engineering Requirements:

Individual states will have particular requirements based on state and local regulations. Please contact the local RD office in the state where your project is located.

National Environmental Requirements:

There are no other additional requirements at the national level. If there are additional state-specific requirements they will be listed above.

Indiana State Office
5975 Lakeside Boulevard
Indianapolis, IN 46278

Craig McGowan
Community Programs Director
craig.mcgowan@usda.gov 
(812) 817-3443

Neal Eickholtz 
State Engineer 
richard.eickholtz@usda.gov 
(317) 295-5787

Brandon Miller 
State Environmental Coordinator
brandon.miller2@usda.gov 
(317) 295-5776

Nicole Robinson 
State CP Specialist 
nicole.robinson2@usda.gov
(317) 295-5794

Kat Shearer 
CP Field Technician
kathryn.shearer@usda.gov
(812) 817-3454

Vacant
State CP Technician
@usda.gov
(317) 295-xxxx

Indiana Field Offices

Northwest Field Area

Vacant
CP Specialist 
(812) 817-3443
1410 South Heaton Street
Knox, IN 46534

Benton, Carroll, Cass, Fulton, Jasper, Lake, LaPorte, Marshall, Newton, Porter, Pulaski, St. Joseph, Starke, Warren and White counties.

West Central Field Area 

John Magee
CP Specialist 
john.magee@usda.gov 
(765) 362-0405 Ext. 115
2032 Lebanon Road
Crawfordsville, IN 47304

Boone, Clay, Clinton, Fountain, Hendricks, Monroe, Montgomery, Morgan, Owen, Parke, Putnam, Sullivan, Tippecanoe, Vermillion, and Vigo counties.

Southwest Field Area

Cynthia Ferguson
CP Specialist 
cynthia.ferguson@usda.gov 
(812) 792-5020
1484 Executive Boulevard
Jasper, IN 47546

Crawford, Daviess, Dubois, Gibson, Greene, Knox, Lawrence, Martin, Orange, Perry, Pike, Posey, Spencer, Vanderburgh, Warrick counties.

Northeast Field Area

Alex Nolt
CP Specialist 
alexandra.nolt@usda.gov
(260) 244-6266 x 120
788 W. Connexion Way, Suite E
Columbia City, IN 46725

Adams, Allen, Blackford, DeKalb, Elkhart, Grant, Huntington, Kosciusko, LaGrange, Miami, Noble, Steuben, Wabash, Wells, Whitley counties.

East Central Field Office

Ric Frataccia
CP Specialist 
enrico.frataccia@usda.gov
(317) 295-5788
5975 Lakeside Boulevard
Indianapolis, IN 46278

Delaware, Fayette, Hamilton, Hancock, Henry, Howard, Jay, Johnson, Madison, Marion, Randolph, Rush, Shelby, Tipton, Union, Wayne counties.

Southeast Field Area

Charlene Bridgewater 
CP Specialist 
charlene.hale@usda.gov 
(812) 953-4147
2600 Highway 7 North
North Vernon, IN 47265

Bartholomew, Brown, Clark, Dearborn, Decatur, Floyd, Franklin, Harrison, Jackson, Jefferson, Jennings, Ohio, Ripley, Scott, Switzerland, Washington counties.

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