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Purpose of Program |
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The purpose of the Indoor Plumbing Program (IPP) is to provide indoor plumbing
in residential properties.
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Eligible Types of Housing |
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Loans may be made for single-family, owner-occupied houses and rental properties
with one to 100 units, which do not have indoor plumbing. Properties must be
structurally sound.
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Eligible Applicants |
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Owner-occupants of single-family homes who are income eligible may apply for IPP
loans. Owners of rental residential properties may apply for IPP loans, if the
units will be occupied by income-eligible households.
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Eligible Residents |
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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. MSA median income. The interest rates for these loans is a
minimum of 4.5 percent and is determined based upon the owner-occupant's
ability to repay the loan, or for rental units, the project's income available
to repay the loan.
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Loan Terms |
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Loans have interest rates based on the incomes of the residents and
owner-occupant, or project income available to repay the loan. Generally, the
maximum loan amount is 95 percent of the value of the property. Loans in excess
of $5,000 or with deferred payments are secured by a mortgage. Loans may
provide for deferred payment of principal and interest for households with
incomes below 50 percent of the statewide or Washington, D.C. MSA median income
if necessary for project feasibility.
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. MSA median income. The maximum loan term is 30
years.
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The following improvements that help provide indoor plumbing may be financed:
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wells
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septic tanks and drain fields
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piping from the septic sytem into the resdential building
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connection fees and assessments
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plumbing fixtures and equipment, including handicapped fixtures
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additions, modifications and alterations required to provide private
space for toilet and bath facilities
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sand mound systems
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purification systems
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cost of percolation tests
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alternative and innovative septic and water systems
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Local Government Involvement |
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Generally, all loan requests are processed directly by local governments for
properties within their jurisdiction.
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How To Apply |
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Applicants should contact their local housing office or DHCD's Single
Family Housing at 410-514-7565 (within the Baltimore area) or 1-800-638-7781.
IPP loans are originated, packaged and closed by the Maryland Department of
Housing and Community Development Special Loan Program's (SLP) network of local
administering agencies. The network includes the county housing and community
development offices as well as nonprofit organizations and local banks.
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Click here for a list of
local contacts by County
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Two agencies that serve as outreach agents for
IPP: |
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Tri-County Community Development Corp., Inc. for Calvert, Charles, and St.
Mary's Counties- 301-274-4474
First Shore Federal Savings and Loan for Wicomico and Worcester Counties-
410-546-1101
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Single Family Housing
Community Development Administration
Maryland Department of Housing and Community Development
100 Community Place
Crownsville, MD 21032-2023
singlefamilyhousing@dhcd.state.md.us
410-514-7530
Toll Free (Maryland Only): 800-638-7781
TTY 410-514-7531
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