To amend the Consolidated Farm and Rural Development Act to modify provisions relating to rural decentralized water systems grants.

This bill extends through 2031 a program where the Department of Agriculture gives grants to nonprofit organizations, which then provide smaller grants and loans to people in rural areas to help pay for household water wells or private wastewater systems. It changes the income rules for who can get these grants, basing eligibility on whether a household earns no more than 60% of the median nonmetropolitan income for their local area instead of their whole state or territory. The bill also allows grant money for wastewater systems to cover the cost of a warranty lasting at least five years, and it lets people from households earning 60% or more of the area's median nonmetropolitan income qualify for loans instead of grants.

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