Water Quality Financing Administration

Interested in applying for funding?  Applications will be posted on or about December 2, 2019.
In the meantime, please review this important information
New!  Notice of Public Comment and Hearing
The Maryland Water Quality Financing Administration (MWQFA) gives notice of a public comment period and hearing concerning Revision 4 to the Integrated Project Priority System (IPPS) for Water Quality Capital Projects:  Draft Integrated Project Priority System for Water Quality Capital Projects (Revision 4).  The proposed revisions can be compared to the current version posted here.  
The public comment period begins on October 22, 2019, with a public hearing on November 20, 2019 at 1:00 PM at MDE (Aeris Conference Room, 1st Floor Lobby).  All interested persons are invited to attend the hearing and offer their comments; comments may also be submitted by email or mail.  The public record will close on November 27, 2019.  For additional information, or to submit comments, please contact Elaine Dietz.
By email:    elaine.dietz@maryland.gov
By phone:   410-537-3908
By mail:      Maryland Department of the Environment
                   1800 Washington Blvd, Suite 515
                   Baltimore MD 21230
New!  Maryland Water Quality Financing Administration thanks everyone who submitted an application for FFY 2019/State FY 2021 funding consideration.  The following final documents are now available:
FFY 2019/State FY 2021 Documents
* Ranked lists of all applications submitted
** Ranked lists of all applications above the fundable line for State Revolving Fund; only those projects with amounts shown in the "Total Funding" column were selected to receive State Revolving Fund.  Please see the "Comments" column for important additional information.

Please note:  Notification letters were sent in early October 2019 for projects selected to receive Federal FY 2019 Revolving Loan Fund.  Notification letters will be sent in ~ May 2020 for projects selected to receive State FY 2021 grant funding.   

Purpose and Mission  

The mission of the Maryland Water Quality Financing Administration (WQFA) is to provide financial assistance in the form of low interest rate loans and/or grant funding for clean water and drinking water capital projects across the State. 

Eligible types of projects include:
  • Water quality point source projects
  • Drinking water projects
  • Non-point source pollution control projects
  • Septic system upgrade projects   

The WQFA administers the loan and grant programs described below:  


Financial Program


Water Quality Revolving Loan Program (WQRLF)

Provides low-interest loans to local governments to finance wastewater treatment plant upgrades, nonpoint source projects, and other water quality and public health improvement projects.

Drinking Water Revolving Loan Program (DWRLF)

Provides low-interest loans to local governments to finance water supply improvements and upgrades.

Water Supply Assistance Grant Program

Helping communities meet their water supply needs.

Bay Restoration Fund Wastewater Grant Program 

  • ENR upgrade at major or minor wastewater treatment plants.
  • Improvements to existing wastewater conveyance systems.
  • Sewer extensions to connect homes on septic systems to a BNR/ENR wastewater treatment plant.
  • Nutrient-reducing BAT shared community septic systems. 
  • Stormwater (MS4) projects by local governments

Bay Restoration Fund - Septic System Grant Program

Upgrades of existing septic systems to best available technology for nitrogen reduction to the Bay.

Linked Deposit Program

Water quality capital improvements

Both loan programs receive federal funding from  the United States Environmental Protection Agency (EPA) and offer below market interest rate loans to eligible borrowers, while ensuring the perpetuity of the revolving funds.

The WQFA is authorized to issue revenue bonds subject to approval of the State Board of Public Works and Secretary of the Maryland Department of the Environment.  Bonds issued by the WQFA do not constitute a debt or the full faith and credit pledge of the State or any political subdivision.  The bonds are paid solely from WQFA revenues as pledged under the bond indenture for each of the above Funds.

The WQFA works very closely with MDE’s Engineering and Capital Projects Program (ECPP, formerly the Water Quality Infrastructure Program).  The ECPP is responsible for the development and implementation of capital projects to correct public health and water quality problems and provides restoration measures that lead to water quality and habitat benefits.  The ECPP provides technical assistance to local government and eligible private entities.



FFY 2018/State FY 2020 Documents 

Final FFY2018/State FY2020 Clean Water Project Priority List
Final FFY2018 Water Quality Revolving Loan Fund Intended Use Plan Table 1
Final FFY2018 Water Quality Revolving Loan Fund Intended Use Plan Document

Final FFY2018/State FY2020 Drinking Water Project Priority List
Final FFY2018 Drinking Water Revolving Loan Fund Intended Use Plan Table 1
Final FFY2018 Drinking Water Revolving Loan Fund Intended Use Plan Document

Public Hearing Responsiveness Summary for the FFY2018/State FY2020 IUPs and PPLs  

Please note:  Official notifications regarding projects selected to receive Federal FY 2018 Revolving Loan Fund financing and State FY 2020 grant funding have been made.    

FFY 2017/State FY 2019 Final EPA-Approved Funding Documents 
Please note:  Official notifications regarding projects selected to receive Federal FY 2017 Revolving Loan Fund financing and State FY 2019 grant funds have been made.
FFY 2016/State FY 2018 Final EPA-Approved Funding Documents
Please note:  Official notifications regarding projects selected to receive Federal FY 2016 Revolving Loan Fund and State FY 2018 grant funding have been made.
For Septic Grants:
Associated Documents:
 For additional information, please call (410) 537-3119.