Indoor Plumbing Program

The purpose of the Indoor Plumbing Program is to provide indoor plumbing in residential properties.


Loans may be made for single-family, owner-occupied houses and rental properties with one to four units, which do not have indoor plumbing. Properties must be structurally sound.


Owner-occupants of single-family homes who are income eligible may apply for Indoor Plumbing Program loans. Owners of rental residential properties may apply for Indoor Plumbing Program loans, if the units will be occupied by income-eligible households.


Owner-occupants of single-family homes and all residents of assisted rental housing must have an income at or below 80 percent of the statewide or Washington, D.C. Metropolitan Statistical Area median income. Interest rates range from 0% to 6% and are based on the applicant's ability to pay. Deferred loans are available to some borrowers who require health, safety or accessability improvements. For rental units, the project's income determines requirements for loan deferment or repayment.


Deferred amounts or portions of deferred amounts may be forgiven on an annual basis if the loans serve families with incomes below 30 percent of the statewide or Washington, D.C. Metropolitan Statistical Area median income. The maximum loan term is 30 years.

The following improvements that help provide indoor plumbing may be financed:

  • Wells
  • Septic tanks and drain fields
  • Piping from the septic sytem into the resdential 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


Generally, all loan requests are processed directly by local governments for properties within their jurisdiction.


Applicants should contact their local housing office or the Maryland Department of Housing and Community Development's Special Loan Programs at (301) 429-7409 (within the Baltimore area) or 1-844-369-4150.

Indoor Plumbing Program loans are originated, packaged and closed by the Maryland Department of Housing and Community Development Special Loan Program's network of local administering agencies. The network includes the county housing and community development offices as well as nonprofit organizations and local banks.

List of local contacts by County​


CONTACT: Special Loan Programs
Maryland Department of Housing and Community Development
7800 Harkins Road, Lanham, 3rd Floor, MD 20706
P: (301) 429-7409 | Toll Free (Maryland Only): 1-844-369-4150
TTY 711 or 1-800-735-2258


Rehabilitation ApplicationProgram Application​​​