Environmental Protection Agency · Water & Wastewater
Water Infrastructure Finance and Innovation Act (WIFIA) Loans
Long-term, low-interest federal loans for large drinking water, wastewater, and stormwater projects. Can fund up to 49% of project cost and stack with SRF or other federal funding.
Program facts
- Typical award
- $20M – $1B
- Non-federal match
- Varies by NOFO
- Audience
- Cities, towns, counties, and tribal governments
- Application window
- Annual letter of interest cycle; continuous closing.
- Typical prep time
- 16–36 weeks
- Statutory authority
- WIFIA (33 U.S.C. §3901 et seq.)
Catalog entry last verified 2026-05-24 · Verify on the agency page →
Eligibility at a glance
- Cities are eligible applicants.
- Population threshold: at least 25,000.
Best for projects $20M+; pairs well with CWSRF/DWSRF. Smaller communities served by State infrastructure financing authority WIFIA (SWIFIA). Amounts and timing approximate; verify directly with administering agency.
How Strategic Pursuit scores this program
When you run a city dossier, Strategic Pursuit cross-checks the city's demographics, federal award history, disaster history, and CEJST burden categories against this program's eligibility and strategic-fit signals. You see an explicit eligibility / strategic / competitive grade — backed by source citations — instead of a generic "match" badge.
Planning purposes only. Award ranges, match percentages, and application windows on this page summarize the latest publicly available agency guidance and are approximate. Always verify the binding NOFO on the administering agency's page before applying.