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Field Services Bureau

Local Water Protection Program Questions and Answers

What Practices Can Be Funded?

Virtually all practices eligible for State Cost Share/IFIP, REAP and EQIP are eligible under the LWPP. These practices may include but are not limited to:

  • Terraces, grade stabilization structures, water & sediment control basins. · Waste storage structures
  • Pasture and hayland planting
  • Grassed waterways and filter strips
  • Field borders, windbreaks and riparian forest buffers.

What are the Loan Terms?

  • Loans from $5,000 to $50,000
  • Terms up to 10 years
  • Can fund up to 100% of actual costs
  • Interest rate up to 3% - fixed rate
  • Funding is available when you need it
  • Applications are accepted year-round
  • No penalty for pre-payment
  • Linked deposit loan structure

How to Apply

Begin by talking to your local Soil and Water Conservation District (SWCD)

What is a Linked Deposit Loan?

Under a linked deposit loan approach, the Iowa Finance Authority (IFA) works with local private lending institutions to provide assistance for water quality practices. The IFA agrees to accept a 0% rate of return on an investment (e.g., a certificate of deposit) and the lending institution agrees to provide a loan to eligible borrowers at 3% or less. It’s up to your Soil and Water Conservation District to approve your project, and it’s up to your lender to qualify you for financing.

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