This bill amends the Consolidated Farm and Rural Development Act to enhance support for rural decentralized water systems. It reconfigures the grant program to allow the Secretary to provide grants directly to private nonprofit organizations , which will then offer subgrants and loans to individuals. These funds are intended for the construction, refurbishing, and servicing of individually owned household water well systems and decentralized wastewater systems in rural areas. Subgrants are available for households with incomes below 60% of the median nonmetropolitan income, while loans target those between 60% and 100% of that median. Key changes include increasing the maximum assistance amount from $15,000 to $20,000 for certain provisions and allowing subgrants for wastewater systems to cover the cost of a five-year performance warranty . Furthermore, the bill extends the authorization for this vital program from 2023 to 2031 , ensuring its continued operation for several more years.