Ohio Water Development Authority - Serving Ohio Since 1968

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Construction/Planning Loan Program

Program Information, Application Documents, and Loan Portal   


The Ohio Water Development Authority created the Fresh Water Loan Program to provide financial assistance for planning/design and/or construction of drinking water, wastewater, and storm water projects. Eligible projects include but are not limited to development or acquisition of potable water sources, construction/expansion of water and wastewater treatment facilities, installation or improvement of water distribution and wastewater collection systems, well-head protection planning studies, or storm water management facilities.

For more details, see the program guidelines
Fresh Water Program-Market Rates and Fresh Water Program-Community Assistance Rates.    Please note projects must be constructed using prevailing wage.   


The OWDA Board meets the last Thursday of the month during January to October; and the second Thursday in the month of December.  applications are due the 1st of the month that the loan will be approved.    For December approval, the loan application is due on November 1st.  For construction applications, the project must be bid prior to applying for the loan.

If you are requesting additional funds to be added to an existing OWDA loan, do not submit your request through the loan portal. Please contact Kim Killian, as a full application is not required for a supplemental loan request.

For questions regarding the Construction/Planning Loan Program, please contact:

Kim Killian, Loan Officer
480 South High Street
Columbus, OH 43215
Phone:   (614) 466-0228


The following loan application documents must be completed prior to requesting a link to the loan application portal.  Click on documents in blue to download.  
  • Construction Loan Application  (Opens in Excel document)
  • Planning/Design Loan Application  (Opens in Excel document)
  • Projection of revenue (in application)
  • Rate ordinance (current rates/tap in fees)
  • Current year operating budget
  • Fund reports that show revenue, expenses, and debt service reserve
  • Construction bid tabs (required for construction loan requests)
  • Engineering agreement (required for planning/design loans; only required for construction loans if engineering costs are included in the construction loan)
The following loan application documents are required to complete the loan process; however they may be provided to OWDA at a later date if they are not available by the application deadline.  Click on documents in blue to download.
The following loan application documents are the cooperative agreements for this loan program.  The language in the agreement cannot be altered.  The agreement will be emailed to you for signature after Board approval.    Click on documents in blue to view the template.


Submit your loan application through the portal. The loan application portal is a quick and convenient way to submit your loan application. By requesting a link to the loan portal, you can easily upload PDFs of your application documents directly to OWDA. Document uploads should be formatted as PDF documents only. Please do not upload Excel files.  NOTE:  Do not use the loan application portal if you are applying to Ohio Environmental Protection Agency for the Water Pollution Control Loan Fund (WPCLF) or Water Supply Revolving Loan Account (WSRLA) programs.   Please contact your Ohio DEFA coordinator to apply for WPCLF and WSRLA.  

One application per link. If you have more than one application, please request more than one link.  Review the loan application documents listed above as these documents must be completed prior to requesting a link to the loan application portal.  Click on the following link to begin the loan application portal process.  https://webforms.owda.org/forms/loanprequalification

The person identified as the contact person in the application portal should be the person responsible for the preparation and submission of the application.  The contact person will receive an application portal link by email and will also be the person called if there are questions on the information provided in the application.   For example, the contact person could be an RCAP representative, consultant, or the person at the local government that prepared the application and can answer questions, not necessarily the person authorized to enter into contract with OWDA for the loan.  

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