Water & Waste Disposal Loan & Grant Program in North Carolina



Applications for this program are originated in the field office serving your county.  Select the Contacts tab above for the NC field office list.

Are applications currently being accepted: YES

What does this program do?

This program provides funding for clean and reliable drinking water systems, sanitary sewage disposal, sanitary solid waste disposal, and storm water drainage to households and businesses in eligible rural areas.

Who may apply?

This program assists qualified applicants who are not otherwise able to obtain commercial credit on reasonable terms. Eligible applicants include:

What is an eligible area?

Areas that may be served include:

What kinds of funding are available?

  • Long-term, low-interest loans
  • If funds are available, a grant may be combined with a loan if necessary to keep user costs reasonable.

How may the funds be used?

Funds may be used to finance the acquisition, construction or improvement of:

  • Drinking water sourcing, treatment, storage and distribution
  • Sewer collection, transmission, treatment and disposal
  • Solid waste collection, disposal and closure
  • Storm water collection, transmission and disposal

In some cases, funding may also be available for related activities such as:

  • Legal and engineering fees
  • Land acquisition, water and land rights, permits and equipment
  • Start-up operations and maintenance
  • Interest incurred during construction
  • Purchase of facilities to improve service or prevent loss of service
  • Other costs determined to be necessary for completion of the project
  • See 7 CFR Part 1780.7 and 1780.9 for a complete list

What is the loan term and rate?

  • Up to 40-year payback period, based on the useful life of the facilities financed
  • Fixed interest rates, based on the need for the project and the median household income of the area to be served

Contact us for details and current interest rates applicable for your project

Are there additional requirements?

  • Borrowers must have the legal authority to construct, operate and maintain the proposed services or facilities.
  • All facilities receiving federal financing must be used for a public purpose.
  • Partnerships with other federal, state, local, private and nonprofit entities that offer financial assistance are encouraged.
  • Projects must be financially sustainable.

How do we get started?

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  • Applications are accepted year round and may be filed electronically using RD Apply. The RD Apply Customer Help Guide is provided to help you get started and work through the application process
  • Applications are also accepted through your local RD office.
  • Program resources are available online (i.e., forms, guidance, certifications, etc.).

Who can answer questions?

  • Contact the local representative who serves your area
  • Participating nonprofits in your area may also offer assistance and training

What governs this program?

Why does USDA Rural Development do this?

This program helps very small, financially distressed rural communities extend and improve water and waste treatment facilities that serve local households and businesses. Good practices can save tax dollars, improve the natural environment, and help manufacturers and businesses to locate or expand operations.

NOTE: Program details may change over time. Before you begin an application, please confirm you have the most current information by contacting a program specialist in your local RD office for assistance or consult the program instructions listed in the section above titled "What Governs this Program?"

NOTE: Please ensure that your state is selected in the dropdown menu above to find the state office contact information, and speak to a program specialist before attempting to fill out any forms or applications. This will save you time in completing your application.

Interest Rates

Current interest rates for 1st Quarter FY 2021, effective October 1, 2020 to December 31, 2020.  

Poverty:  1.250%
Intermediate:  1.750%
Market: 2.125%
National Architect Requirements:

There are no other architect requirements at the national level. If there are additional state-specific requirements they will be listed above.

National Engineering Requirements:

Key WEP Engineering Resource Page


Individual states will have particular requirements based on state and local regulations. Please contact the local RD office in the state where your project is located.

There are no other additional requirements at the national level. If there are additional state-specific requirements they will be listed above.

There are currently no events scheduled.


Pam Hysong, Area Director

160 Zillicoa Street, Suite #2

Asheville, NC 28801

828-254-0916Image removed.

844-325-6823Image removed. Fax

Email: linda.whitmire@usda.gov

Counties Served: Buncombe, Henderson, Transylvania



134 Government Circle

Suite 201

Jefferson, NC 28640

336-246-2885Image removed.

844-325-6823Image removed. Fax

Email: susan.roland@nc.usda.gov

Counties Served: Ashe, Watauga, Alleghany, Wilkes, Caldwell



195 Thomas Heights Rod

Franklin, NC 28734

828-524-3175Image removed.

844-325-6823Image removed. Fax

Email: pam.hysong@nc.usda.gov

Counties Served:  Macon, Haywood, Jackson, Cherokee, Clay, Graham, Swain



225 Valley River Avenue, Suite J

Murphy, NC 28906

828-837-2721Image removed.

844-325-6823Image removed. Fax

Email: pam.hysong@nc.usda.gov



11943 S. 226 Hwy Suite D

Spruce Pine, NC 28777

828-765-0889Image removed.

844-325-6823Image removed. Fax

Email: rebecca.pinto@nc.usda.gov

Counties Served: Mitchell, Yancey, Madison, Avery



Warren C. Smith, Area Director

844 Wallace Grove Road

Shelby, NC 28150

704-471-0235Image removed.

844-325-6850Image removed. Fax

Email: deissy.honea@usda.gov

Counties Served: Cleveland, Gaston, McDowell, Polk, Rutherford, Mecklenburg


Rossie Bullock, Area Director

PO Box 7426

440-C Caton Road

Lumberton, NC 28360

910-739-3349Image removed.
844-325-6830Image removed. Fax


Counties Served: Robeson, Bladen, Cumberland, Scotland, Hoke, Columbus


847 Curry Drive, Suite 104

Asheboro, NC 27205

336-629-4449Image removed.

844-325-6822Image removed. Fax

Email: lynn.whittington@usda.gov

Counties Served: Guilford, Randolph, Davidson, Rowan, Stanly, Cabarrus, Rockingham, Caswell, Alamance



853 S. Beckford Drive, Suite A

Henderson, NC 27536

252-438-3134Image removed.

844-325-6826Image removed. Fax

Email: jonathan.jones@usda.gov

Counties Served: Vance, Granville, Franklin, Warren, Orange, Durham, Person, Nash, Northampton



Aaron Gaskins, Area Director

2044-C Hwy 11/55 South

PO Box 6189

Kinston, NC 28501-0189

252-526-9799Image removed.

844-325-6827Image removed. Fax

Email: angela.washington@usda.gov

Counties Served: Lenoir, Jones, Craven, Pamlico, Onslow, Carteret, Wayne, Greene, Duplin