Maryland Water Infrastructure Financing Administration

Apply by 1/31/25 for Capital Project Funding 

MDE announces the annual opportunity to apply for funding.  Please review this entire announcement, which contains multiple parts, and refer to the applications for specific instructions.  The project priority lists generated from applications received may be used to identify projects for future funding, including State Revolving Fund.  

Funding for water quality (point source and nonpoint source) and flood projects:

Water Quality State Revolving Fund, including General Bipartisan Infrastructure Law Funding – 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.     

Water Quality State Revolving Fund Bipartisan Infrastructure Law Funding for PFAS/Emerging Contaminants – 100% loan principal forgiveness for projects that address emerging contaminants, including perfluoroalkyl and polyfluoroalkyl substances (PFAS) in wastewater, stormwater, and nonpoint source pollution.  

Bay Restoration Fund Wastewater Program - Grant funds for ENR upgrade at major or minor wastewater treatment plants, improvements to existing wastewater conveyance systems, sewer extension to connect homes on septic systems to a BNR/ENR wastewater treatment plant, nitrogen reducing BAT upgrade at shared community septic systems, stormwater (MS4) projects by local governments with a system of charges, and climate resiliency and flood control projects.

Supplemental Assistance Grant – Grant funds not to exceed $1.5 million for wastewater projects at publicly owned facilities, based on system size, compliance, and affordability. 

Comprehensive Flood Management Program Grant - Matching grants to local governments for projects which reduce the risk to life and property from flooding.  Financial assistance is in the form of grants to fund 50% of the local match from projects with federal sponsors and up to 75% of the total project cost for projects without federal sponsors.  

To apply for funding from these programs, use the 

For assistance about these programs or applications, please contact 
Paul Emmart at paul.emmart@maryland.gov or Elaine Dietz at elaine.dietz@maryland.gov

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Funding for drinking water projects:

Drinking Water State Revolving Fund, including General Bipartisan Infrastructure Law Funding – Low-interest rate loan and loan principal forgiveness (if eligible) for public or privately-owned drinking water projects.

Drinking Water State Revolving Fund Bipartisan Infrastructure Law Funding for PFAS/Emerging Contaminants – 100% loan principal forgiveness for projects that address emerging contaminants, including perfluoroalkyl and polyfluoroalkyl substances (PFAS), in drinking water.  

Drinking Water State Revolving Fund Bipartisan Infrastructure Law Funding for Lead Service Lines – Low interest rate loan and loan principal forgiveness (if eligible) for service line inventories to identify lead service lines and lead service line replacements.    

Water Supply Grant - Grant funds not to exceed $1.5 million for drinking projects at publicly owned facilities, based on system size, compliance, and affordability.

To apply for funding from these programs, use the 

For assistance about these programs or applications, please contact 
Paul Emmart at paul.emmart@maryland.gov or Elaine Dietz at elaine.dietz@maryland.gov

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New this year!

1. The “Short Form” of the Water Quality Capital Projects Application or the Drinking Water Capital Projects Application may be used if all the following conditions apply:

  • The project was submitted during the December 2023 – January 2024 solicitation for FFY24/SFY26 funding. 
  • The project scope remains the same with no additional information to be considered.
  • The project has neither a W/S: N nor a PFA: 3 notation in the FFY24/SFY26 Project Priority List* (see River Basin NPDES # column).
  • The applicant accepts the project score as shown on the FFY24/SFY26 Project Priority List* (see Rank/Points column).  Projects submitted in December 2024 – January 2025 using the “Short Form” will receive the same score as shown on the FFY24/SFY2 Project Priority List*.  
*The FFY24/SFY26 Clean Water Project Priority list is here and the FFY24/SFY26 Drinking Water Project Priority List is here​

​2.      “Upgrade/improvement of sludge handling system at an existing ENR WWTP" was added as a Project Type selection to the Water Quality Capital Projects Application for.  These projects are eligible to receive Water Quality Benefits points in Section I of the Integrated Project Priority System for Water Quality Capital Projects. 

​​3.      Instructions for demonstrating that 50% or more of project cost or project scope serves, protects, or benefits an Environmental Justice or overburdened community as identified by Final EJ Score Percentile (Distribution Across Maryland) of 75 or more using MDE's Environmental Justice Tracking Tool are provided via hyperlink in each application.
  
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The opportunity to apply for funding from Clean Water Commerce Act for Environmental Outcomes will be announced at a future date.


Purpose and Mission  

The mission of the Maryland Water Infrastructure Financing Administration (MWIFA) is to provide state and federal financial assistance in the form of low interest rate loans, loan forgiveness, and grant funding for eligible water quality, drinking water, and stormwater management capital projects.

Eligible types of projects include:
  • Sanitary Sewer and Wastewater Treatment 
  • Drinking Water Infrastructure and Source Water Protection
  • Nonpoint Source Pollution and Watershed Restoration 
  • Septic System Upgr​ades and Sewer Connections
  • Stormwater Management and Flood Mitigation 

MWIFA administers the loan and grant programs described below:  

 

Financial Program


Purpose

Water Quality Revolving Loan Program (WQRLF)

Provides low-interest loans to local governments to finance wastewater treatment plant upgrades, nonpoint source pollution control 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 drinking water infrastructure upgrades.

Water Supply Assistance Grant Program​

Helps communities meet their water supply and infrastructure 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 with a system of charges through a local stormwater or resilience enterprise fund.
  • Flood mitigation and resilience and watershed restoration projects.
​​Supplemental Assistance Grant Program
​Assistance primarily to small and disadvantaged communities for sewer infrastructure improvements.

Bay Restoration Fund - Septic System Upgrade Program

Upgrades of existing septic systems to best available technology and sewer connections for nitrogen reduction to aquifers and the Bay.

Linked Deposit Program​


Credit support for private nonpoint source pollution control, watershed protection, and drinking water supply and infrastructure projects.


Comprehensive Flood
Management Grant Program

Assistance to "subdivisions" for flood mitigation projects which reduce the risk of loss of life and property from flooding.
 
Both loan programs receive federal funding from the United States Environmental Protection Agency (EPA) and offer below market interest rate state and federal loans to eligible borrowers.
 

MWIFA 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 MWIFA 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 MWIFA revenues as pledged under bond indenture for each of the above Funds.

MWIFA works very closely with MDE’s Engineering and Capital Projects Program (ECPP), which is the entity responsible for management of water quality, drinking water, and stormwater and flood mitigation capital projects to protect public health and water quality.
 

 

Reports: 

MWIFA Financial Statements and Su​pplemental Schedules Together With Report of Independent Public Accountants for the Years Ending June 30, 2024 and June 30, 2023

MWIFA Single Audit Together With Report of Independent Public Accountants for the Year Ended June 30, 2024​​​​ 


Federal FY2024/State FY2026 Funding Documents

See each Intended Use Plan Table 1 for funding decisions.  
Notifications re SRF and BIL funding were emailed in mid-October 2024.
Notifications re State Grant funding will be made after General Assembly approval in Spring 2025.

Projects with a notation on a Project Priority List of W/S:  N and / or PFA:  3 were bypassed for not meeting threshold requirement(s).  Please see the Prepare to Apply document for more information. 


Federal FY2023/State FY2025 Funding Documents

See each Intended Use Plan Table 1 for funding decisions.  
Notifications re SRF and BIL funding were emailed in mid-October 2023.
Notifications re State Grant funding will be made after General Assembly approval in Spring 2024.


Responsiveness Summary for the FFY2023/State FY2025 IUPs and PPLs

​For Septic Grants:


Associated Documents:

​Funding Requireme​nts for Preliminary Eligibility Reports (Effective October 1, 2015)

Minor and Other WWTPs Cost Effectiveness Guidelines

Minor Cost Effectiveness Flow Chart

Prepare to Apply

Integrat​ed Project Priority System for Water Quality Capital Projects​​​​ 

Integrated Project Priority System for Drinking Water Capital Projects​​

Water Quality Funding Subsidy Chart

Drinking Water Funding Subsidy Chart​​​

PFA Exception Procedure

EPA's WaterSense Program

U.S. Environmental Protection Agency’s Green Guidance

Urban Stormwater Management Credit Calculator​​

Disadvantaged Community Chart (for FFY25/SFY27 applications)​​

Environmental Justice Eligibility Documentation Guidance​​

Prior​ity Fund Area (PFA) Mapping Tool​

River Basin Designation Chart

Relative Effectiveness Chart

MEMA Hazard Mitigation Plan Maps

Maryland Hydrogeomorphic Regions Map

Water System Capacity Form (for DWSRF PFAS/EC)​​​​


Maryland Forest Financing Implementation Tool (FFIT):​​

The Maryland Forest Financing Implementation Tool (FFIT), is a calculator designed to assist local governments, land trusts, and other watershed partners in planning and underwriting forestry efforts for water quality benefits. The video shows how FFIT can be used to review different implementation scenarios, evaluate how much a forestry project would cost, estimate how many MS4 credits and environmental co-benefits can be achieved. The slides in the video and a user guide are also below.​

MDE initially produced the FITT calculator and then updated it in 2022. Since the tool has changed, MDE would like to give users the benefit of seeing the previous demonstrations, therefore older versions of the training webinar are posted below. Please use the NEWER Version 2 for planning purposes.

​For additional information​, please contact (410) 537-3119
 

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