Indoor Plumbing Program

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

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.

Eligible Residents

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 accessibility improvements. For rental units, the project's income determines requirements for loan deferment or repayment.

Loan Terms

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 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

Local Government Involvement

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

How to Apply

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 877-218-8101.

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

More Information

CONTACT: Special Loan Programs
Maryland Department of Housing and Community Development
7800 Harkins Road, 3rd Floor, Lanham, MD 20706
E: DHCD.SpecialLoans@maryland.gov
P: (301) 429-7409 | Toll Free (Maryland Only): 877-218-8101
TTY 711 or 1-800-735-2258

Inquiry Form

See Payoff Requests for payoff information.