Rural Housing Repair and Rehabilitation Loan Program

Another program, operated by the federal government, can provide funds for water well improvements. Rural Housing Repair and Rehabilitation Loans are available to very low-income rural residents who own and occupy a dwelling in need of repairs. Funds are available for repairs to improve or modernize a home, or to remove health and safety hazards. This loan is a 1 percent loan that may be repaid over a 20-year period.

To learn how to apply, visit, 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.

For information on non-profit organizations offering low-interest loans and grants for water well work, contact:

Joyce Taylor
Rural Utilities Service
U.S. Department of Agriculture
Phone: 202.720.0499

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


Illinois Fulton, Hancock, Henderson, Knox, McDonough, Warren Western Illinois Regional Council 309/837.3941
Minnesota Cass, Crow Wing, Morrison, Todd, Wadena North Central Economic Development Association 218/894.3233
Missouri Douglas, Howell, Oregon, Ozark, Shannon, Texas, Wright South Central Ozark Community Improvement Corporation 417/256.4226
Oregon Coos, Curry Umpqua 541/673.4909
Virginia Serves Southwest Virginia and Northern Shenandoah Valley areas People Incorporated Financial Services Doug Canody



Virginia Serves DE, MD, VA, NC, SC, GA, FL Southeast Rural Community Assistance Program (SERCAP) 540/345.1184
Wisconsin Crawford, La Crosse, Monroe, Vernon Couleecap 608/684.3104