Indoor Plumbing

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href="/Energy-Home-Repair/Pages/Energy-Efficiency-Workforce/default.aspx"> Energy Efficiency Contractor Resources</a></li> </ul> </div> </div> </div> </div> </div> </li> </ul> </nav>  </div> <div class="mdgov-hero mdgov-hero--shaded"> <div class="mdgov-hero__logo"> <a href="https://maryland.gov/pages/default.aspx">  <img src="/Style Library/egov/img/logo.png" cssclass="mdgov-hero__brand__logo" alternatetext="Go To Maryland.gov Home Page" /> </a> </div> <div class="mdgov-hero__heading"> <a href="/pages/default.aspx" class="hero_brand"> <h1 id="mdgovAgency" class="mdgov-agency">  <span style="font-family: 'Montserrat';">Maryland </span> <span class="mdgov-agency__name" style="font-family: 'Montserrat';">Department of Housing and<br/>Community Development</span> </h1> </a> </div> <div class="mdgov-social">  <a href="http://www.facebook.com/marylandhousing" target="_blank" class="mdgov-social__icon" data-toggle="tooltip" data-placement="top" title="Facebook" aria-label="Facebook"><i 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class="mdgov-main">  <section class="mdgov-section"> <div id="ctl00_PlaceHolderMain_editmodepanel2"> <h1 class="mdgov-section__heading">Indoor Plumbing Program</h1> </div> <div id="ctl00_PlaceHolderMain_ctl00_label" style='display:none'>Main_Content</div><div id="ctl00_PlaceHolderMain_ctl00__ControlWrapper_RichHtmlField" class="ms-rtestate-field" style="display:inline" aria-labelledby="ctl00_PlaceHolderMain_ctl00_label"><p>The purpose of the Indoor Plumbing Program is to provide indoor plumbing in residential properties.<br></p><h2>Eligible Types of Housing</h2><p>Loans may be made for single-family, owner-occupied houses, which have inoperative or unsafe plumbing. Properties must be structurally sound.</p><h2>Eligible Applicants</h2><p>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.</p><h2>Eligible Residents</h2><p>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.</p> <details><summary> <h2>Eligible Improvements<br></h2></summary> <p>The following improvements that help provide indoor plumbing may be financed:           </p> <ul class="lists"><li>Wells</li><li>Septic tanks and drain fields</li><li>Piping from the septic system into the residential building</li><li>Connection expenses to public water or sewer systems, including fees and assessments</li><li>Plumbing fixtures and equipment, including handicapped fixtures</li><li>Additions, modifications and alterations required to provide private space for toilet and bath facilities</li><li>Sand mound systems</li><li>Purification systems</li><li>Cost of percolation tests</li><li>Alternative and innovative septic and water systems</li></ul></details><details><summary> <h2>Loan Terms<br></h2></summary> <p>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.       </p></details><details><summary> <h2>Local Government Involvement</h2></summary> <p>Generally, all loan requests are processed directly by local governments for properties within their jurisdiction.       </p></details> <h2>How to Apply</h2><p>Applicants should contact their local housing office (see <a href="/Energy-Home-Repair/Pages/Homeowner-Loans/Local-Contact-List.aspx">list of local contacts by County</a>) 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.</p><p>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.</p><h3>Documents</h3><ul><li> <a href="/Residents/Documents/mhrp-sf_application.pdf"> <img class="ms-asset-icon ms-rtePosition-4" src="/_layouts/images/icpdf.png" alt="" />Program Application</a></li><li> <a href="/Residents/Documents/WholeHome/SLP_INCOME_LIMITS.pdf"> <img class="ms-asset-icon ms-rtePosition-4" src="/_layouts/images/icpdf.png" alt="" />Rehabilitation 2024 Income Limits</a></li></ul><h2>More Information</h2><p>CONTACT: Special Loan Programs<br>Maryland Department of Housing and Community Development<br>7800 Harkins Road, 3rd Floor, Lanham, MD 20706<br>E: <a href="mailto:DHCD.SpecialLoans@maryland.gov">DHCD.SpecialLoans@maryland.gov</a><br>P: (301) 429-7409 | Toll Free (Maryland Only): 877-218-8101<br>TTY 711 or 1-800-735-2258</p><div class="btn btn-default goldBackground btnGeneric" style="line-height:31.92px;width:181.847px;"> <a href="/Energy-Home-Repair/Pages/Inquiry-Form.aspx" style="color:#2d3133;"> <b>Inquiry Form</b></a></div><div><br></div><p>See <a href="/Residents/Documents/WholeHome/Payoff-Request-Contact-Information.pdf"> <img class="ms-asset-icon ms-rtePosition-4" src="/_layouts/images/icpdf.png" alt="" />Payoff Requests</a> for payoff contact information.</p></div> </section> <section class="mdgov-section"> <menu class="ms-hide"> <ie:menuitem id="MSOMenu_Help" iconsrc="/_layouts/15/images/HelpIcon.gif" onmenuclick="MSOWebPartPage_SetNewWindowLocation(MenuWebPart.getAttribute('helpLink'), MenuWebPart.getAttribute('helpMode'))" text="Help" type="option" style="display:none"> </ie:menuitem> </menu> </section> <section class="mdgov-section"> <div id="ctl00_PlaceHolderMain_ctl01_label" style='display:none'>Center_Content</div><div id="ctl00_PlaceHolderMain_ctl01__ControlWrapper_RichHtmlField" class="ms-rtestate-field" style="display:inline" aria-labelledby="ctl00_PlaceHolderMain_ctl01_label"></div> </section> <section class="mdgov-section"> </section>  </main> </div> </div> <div id="EditPageProperties"> </div> <div style='display:none' id='hidZone'></div> </div>  </div> <footer id="mdgovFooter" class="mdgov-footer-2024"> <div class="container-fluid"> <div class="mdgov-footer-2024__top"> <div class="mdgov-footer-2024__agency"> <div class="mdgov-footer-2024__agency__logo"> <img src="/Style Library/egov/img/logo.png" alt="Maryland Flag Logo"> </div> <div class="mdgov-footer-2024__agency__address"> <address> <strong><span>Maryland Department of</span> <span>Housing and Community Development</span></strong><br/> <span>Headquarters - 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