USDA Rural Water & Waste Disposal Direct Loan

USDA Rural Development

Available Home Repair

About This Program

USDA Rural Water & Waste Disposal Direct Loan is available to homeowners in Las Cruces, NM.

Low-interest loans for homeowners in eligible rural areas to install, repair, or improve household water and wastewater systems. Covers well drilling, septic systems, and connections to community water/sewer. Interest rate based on income, with some grant funds available for very low-income applicants.

Loan amount and interest rate based on income and project scope

Data last verified 2026-05-25. How we verify our data.

This is a national program. In Las Cruces, NM, you can stack it with local programs like these:

Key Details

  • Loans for water and wastewater systems
  • Up to $50,000 for eligible projects
  • Low-interest rates based on income
  • Must be in eligible rural area
  • Covers wells, septic, water/sewer connections

How to Apply

Get free help applying Visit Official Program Page Track this program

(575) 521-2870

A grant-savvy contractor in Las Cruces, NM can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Las Cruces early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing program

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can USDA Rural Water & Waste Disposal Direct Loan provide in Las Cruces, NM?

Loan up to $50,000 for water systems.

Who qualifies for USDA Rural Water & Waste Disposal Direct Loan in Las Cruces?

USDA Rural Water & Waste Disposal Direct Loan is open to homeowners in Las Cruces, NM.

How do I apply for USDA Rural Water & Waste Disposal Direct Loan in Las Cruces, NM?

Apply directly with USDA Rural Development using the official program link on this page or call (575) 521-2870. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Las Cruces, NM contractors

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