The DWS Grant Program has been established to help individuals with low to moderate incomes finance the costs of household water wells and individually owned decentralized wastewater systems that they own or will own. Grant funds must be used to establish and maintain a revolving fund to provide loans and sub-grants to eligible individuals for individually owned water well systems and/or individually owned wastewater systems. Individual households may use the loan and/or sub-grant funds to construct, refurbish, rehabilitate, or replace decentralized water systems up to the point of entry to a home. Point of entry for the well system is the junction where water enters into a home water delivery system after being pumped from a well. For septic systems, in lieu of the point of entry, the point of exit is substituted. The point of exit is the junction where wastewater exits out of the home wastewater collection system into the septic tank and drain field. Grant funds may be used to pay administrative expenses associated with providing DWS loans and/or sub-grants.