Does Well Water Need to Be Tested Before Closing?
The complete breakdown by loan type: FHA, VA, USDA, conventional, and cash purchases.
How Long Is a Well Water Test Valid?
VA: 90 days. FHA: 90–180 days. USDA: 180 days. Complete breakdown with lender tips.
FHA Requirements
Trigger conditions, test panel, validity, who pays, and what to do if results fail.
VA Loan Requirements
VA always requires testing. 90-day validity window. No exceptions.
USDA Loan Requirements
Required testing, 180-day validity, adequacy (flow rate) requirements.
Buyer’s Complete Checklist
Everything to verify before closing: water quality, pump, pressure tank, water rights, treatment systems.