Indoor Plumbing
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Application
Application status: Open
How to apply: Submit application and supporting documents by email or mail
The purpose of the Indoor Plumbing Program is to provide indoor plumbing in residential properties.
Eligible types of housing
Loans may be made for single-family, owner-occupied houses, which have inoperative or unsafe plumbing. Properties must be structurally sound.
Eligible applicants
You may apply for an Indoor Plumbing Program loan if you are:
- An owner-occupant of a single-family home who meets income guidelines.
Eligible residents
Owner-occupants of single-family homes and all residents of assisted rental housing must have incomes at or below 80% of the statewide or Washington, D.C. Metropolitan Statistical Area median income.
Check income limits for your household size - PDF - 101.23 KB
Eligible improvements
The following improvements that help provide indoor plumbing may be financed:
- Wells
- Septic tanks and drain fields
- Piping from the septic system into the residential building
- Connection expenses to public water or sewer systems, including fees and assessments
- Plumbing fixtures and equipment, including handicapped fixtures
- Additions, modifications and alterations required to provide private space for toilet and bath facilities
- Sand mound systems
- Purification systems
- Cost of percolation tests
- Alternative and innovative septic and water systems
Loan terms
- Maximum term: 30 years
- Interest rates: 0% to 6% and are based on the applicant's ability to pay.
- Deferred loans: Available to some borrowers who require health, safety or accessibility improvements.
Local government involvement
Generally, all loan requests are processed directly by local governments for properties within their jurisdiction.
How to apply
Contact your local housing office or our Special Loan Programs team to get started.
Indoor Plumbing Program loans are originated, packaged and closed by the Maryland Department of Housing and Community Development (DHCD) Special Loan Program network. This network includes the county housing and community development offices, as well as nonprofit organizations and local banks.
Contact information
- To check your application status or update your information, submit an existing client inquiry.
- To request a loan payoff, view our payoff contact information - PDF - 88.76 KB.
For other questions, please contact:
Special Loan Programs
Email: [email protected]
Phone: 301-429-7409
Toll Free (Maryland Only): 877-218-8101
TTY: 711 or 1-800-735-2258