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.
Whether your city can win this comes down to hard rules — population, designation, match capacity. Run your city and our AI checks it against the rules below in about 8 minutes.
Program facts
- Typical award
- $20M – $1B
- Non-federal match
- Varies by NOFO
- Eligible entity
- U.S. cities & local 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.)
Who is eligible for Water Infrastructure Finance and Innovation Act (WIFIA) Loans?
These are the hard rules we check against. If one fails, the program is ineligible — the AI never overrides a rule.
- 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
Run a city dossier and our AI cross-checks ACS demographics, 5-year USAspending award history, FEMA disaster history, and CEJST/Justice40 + HUD designations against this program's rules. You get a clear eligibility, strategic, and competitive answer — with the city's own hard evidence ready to anchor the narrative — instead of a generic match badge. And if it's a no-go, you'll know before you spend the month.
The dossier isn't the AI's guesswork — eligibility is decided by the rules, and the numbers come straight from official sources. The answer your reviewer will check line by line.
No credit card. 30-day trial, 3 dossiers, 1 seat.
Related programs
- Clean Water State Revolving Fund (CWSRF) (EPA)$500K – $100M
- Drinking Water State Revolving Fund (DWSRF) (EPA)$500K – $50M
- Lead Service Line Replacement (DWSRF Set-Aside) (EPA)$500K – $50M
- Sewer Overflow and Stormwater Reuse Municipal Grants (OSG) (EPA)$1M – $50M
- Solid Waste Management Grant Program (USDA Rural Development)$50K – $500K
- Flood Mitigation Assistance (FMA) (FEMA)$100K – $30M
Award ranges, match percentages, and windows are approximate.