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Maryland State Government Maryland Department of the Environment

Water Quality Financing 

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

Purpose

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.

Biological Nutrient Removal Cost -Share Grant Program

Upgrade of wastewater facilities with biological nutrient removal 

Bay Restoration Fund - Enhanced Nutrient Removal Grant Program

Innovative, state-of-the-art technology at wastewater treatment plants for nitrogen and phosphorus reduction to the Bay

Bay Restoration Fund - Septic System Grant Program

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

Supplemental Assistance Grant Program

Construction of needed wastewater facilities. Correction of water quality problems.

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.

 

Related Links:

  • WQFA Clean Water Benefits Mapping
  • County Grant Administrators, Loan Officers and Project Managers
  • Frequently Asked Questions
  • Integrated Project Priority System for Water Quality Capital Projects (All applicants for clean water – point source and nonpoint source – projects should review this for eligibility and project ranking)
  • Integrated Project Priority System for Drinking Water Capital Projects (All applicants for drinking water projects should review this for eligibility and project ranking)
  • Supplemental Mapping Instructions
  • Funding Eligibility - Loans and Grants (excluding BNR/ENR)
  • PFA Exception Procedure
  • Water Audit and Water Conservation Guidance
  • EPA's WaterSense Program - WQFA encourages all Maryland municipalities to promote water conservation.
  • U.S. Environmental Protection Agency’s Green Project Reserve Guidance
  • Green Project Reserve At-A-Glance (clean water projects only)
  • Sample Calculations for Non-Point Source Projects
  • Non-Point Source Load Reduction Calculator
  • Median Household Income Chart
  • Priority Fund Map (PFA)
  • River Basin Designation Chart
  • Environmental Benefits Districts in Maryland
  • Bay Restoration Fund (BRF)
  •  Reports:

  • Maryland Water Quality Financial Statements and Supplemental Schedules Together With Report of Independent Public Accountants for the Years Ended June 30, 2013 and 2012 
  • Maryland Water Quality A-133 Supplemental Financial Report Together With Report of Independent Public Accountants
  •  For Septic Grants:

  • Program Implementation Guidance FY 2014 (Appendix B) 
  •  

    For additional information regarding the SRF Loan Programs, please contact Jag Khuman, Director, Water Quality Financing Administration by: Phone: (410) 537-3119 or E-Mail: jag.khuman@maryland.gov

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