Water Quality Financing Administration

New Announcing the Federal FY2019/State FY2021 Financial Assistance Solicitation
Maryland Water Quality Financing Administration (WQFA) invites you to apply by January 31, 2019 for capital project funding from the following programs:

• Water Quality State Revolving Loan Fund – Low interest rate loan and loan principal forgiveness (if eligible) for publicly-owned treatment works projects and publicly or privately-owned non-treatment works projects.    


• Drinking Water State Revolving Fund – Low interest rate loan and loan principal forgiveness (if eligible) for public or privately-owned drinking water projects.

• Bay Restoration Fund Wastewater Program - Grant funds for
• BNR to ENR upgrade at major or minor wastewater treatment plants (up to 100% of eligible project cost).
• Improvements to existing wastewater conveyance systems (up to 87.5% of project cost).
• Sewer extension to connect homes on septic systems to a BNR/ENR wastewater treatment plant (up to $20,000 per existing home connected).
• Nitrogen reducing BAT upgrade at shared community septic systems (up to $10,000 per existing home connected).
• Stormwater (MS4) projects by local governments with a system of charges (up to 50% of project cost)*.
• Water Supply Financial Assistance - Grant funds not to exceed $1.5 million for drinking projects at publicly-owned facilities, based on system size, compliance, and affordability.
Please see the Subsidy Funding Eligibility Charts under the Associated Documents heading toward the bottom of this page for more information.  Threshold and funding requirements are discussed in the application forms provided below.
If your project will be ready-to-proceed to construction by December 2020, please complete a separate application for each capital project* for which you are seeking financial assistance and submit to WQFA per instructions provided in the application.  If you previously applied for financial assistance and your project was only partially or not funded, a new/updated application is required.
* Applicants with stormwater projects to meet MS4 permits may (and are strongly encouraged to) submit multiple BMP projects that will start construction within 12 – 18 months as a “program” of projects using a single funding application, as opposed to submitting individual BMP projects in separate applications.  
All applications must be received by WQFA no later than January 31, 2019.
Application Forms (fillable pdf; once the form opens, save it to your computer before using)
Acrobat® Reader is required to view and print the PDF files, which can be downloaded from here for free.
For a Microsoft Word version of an application or for more information, please contact Elaine Dietz at elaine.dietz@maryland.gov or 410-537-3908

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 will be made September/October 2018.
  • Official notifications regarding projects selected receive State FY 2020 grant funds will not be made until late Spring 2019.  
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.