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Federal loans available for water well improvements

Federal loans available for water well improvements

Low-interest loans are currently available via the Household Water Well Program for rural residents in need of water well improvements.

Through the Great Lakes Rural Community Assistance Program (RCAP), residents may borrow up to $11,000 for improvements to water wells and in-home water treatment systems. Loans carry an interest rate of 1 percent; loan maturity may not exceed 20 years and depends on the borrower’s repayment ability.

Loans are available for rural residents of Illinois, Indiana, Michigan, Ohio and Wisconsin. To be eligible, residents must live in a rural community and must meet income guidelines, which vary depending on the state of residence. For residents of each of the five states, household income must not exceed the following amounts:

  • Illinois — $58,435
  • Indiana — $55,784
  • Michigan — $52,097
  • Ohio — $55,216
  • Wisconsin — $56,439

Applicants must own and occupy the home, or be purchasing the home that is being improved through the loan. New home construction and community water systems are not eligible.

Loans are supported through a grant from the U.S. Department of Agriculture and are issued through Great Lakes RCAP, a program of Great Lakes Community Action Partnership (GLCAP). GLCAP is an equal opportunity provider.

For more information, contact GLCAP Loan & Grant Specialist Angie McConnell at 419-332-2008, or email More information is also available at

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